American First Finance, based in Wichita, KS, provides financing and leasing options without requiring a traditional credit score. Applicants with poor or no credit history may still be eligible for approval, as credit is just one aspect considered during the application process. The company collaborates with FinWise Bank to offer installment loans and reports payment history to select credit bureaus, excluding Experian and Equifax. American First Finance's commitment to accurate credit reporting means they do not make courtesy adjustments to payment history on credit reports or modify closed accounts reported as "paid in full." Customers can dispute any inaccurate information on their credit reports directly with the credit bureaus or through American First Finance. The company updates credit bureaus monthly, contributing to customers' credit-building efforts with on-time payments.
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