Whether you’re looking for a great night’s sleep or want to furnish your entire home Epic Pay makes it easy to buy. Complete the application below and get pre-approved online.
No Credit Needed & No Down Payment
Up to $5,000 to Spend with up to 18 Months to Pay
101 Days Same as Cash
Epic-Pay is powered by American First Finance who determines qualifications and promotion eligibility. Minimum purchase and minimum payments are required.
Frequently Asked Questions
WHAT DOES EPIC-PAY/AMERICAN FIRST FINANCE (AFF) REQUIRE OF AN APPLICANT?
Minimum monthly income of $800 • Valid bank account debit card • Valid Payroll or Pre-Paid card with ACH capability • Active Bank or Debit Card • Active for 60 days • No more than 4 NSF’s in last 30 days
WHEN WILL MY FIRST PAYMENT BE DUE?
Your initial payment may be due at time of purchase or is based on your pay date. For your convenience, every effort is taken to match your payment due date with your pay date. We provide online account management via our customer portal. Also, the AFF Support Team is always available to help you with payment schedule adjustments.
IS THERE AN APPLICATION OR PROCESSING FEE; IS THERE A NON-USAGE FEE?
No. There is not a fee to apply.
CAN I BUY OUT MY LEASE BEFORE THE TERM EXPIRES?
Yes; every lease with Epic-Pay/American First Finance offers terms for early buyout (EBO). Discounted lease fees vary based on the date of early payoff. The initial EBO option is at 101 Days Same as Cash, and your second option is a 60% discount on the remaining term’s balance.
CAN I USE MY REMAINING APPROVAL AMOUNT ON ANOTHER DATE?
The full AFF approval does not have to be used on a single lease. Multiple leases, some at later dates, can be made on a single approval as long as the account is in good standing.
HOW DO I CHECK MY CURRENT BALANCE?
You can check your current balance using the AFF online portal or by calling AFF at 855-721-1188.
WHAT IS THE INTEREST RATE ON MY LEASE?
Lease-to-Own (LTO), transaction are not loans, and do not charge an interest rate. All lease fees and payment amounts are clearly noted on the ﬁrst page of the lease agreement.
CAN I SET UP AUTOMATIC PAYMENTS?
Yes; in fact, your lease payments will automatically be deducted from your bank account on you pay date. We can also set up payments using your debit card, payroll card, or select pre-paid credit card.
*Prepaid Cards AFF does not accept: Comerica, Direct Express, American Express, Blue Bird, HR Block
Minimum purchase of $499 required for "instant cash rebate." Some exclusions apply to items marked “Free Shipping,” mattresses, clearance, outlet, floor sample items, delivery, gift cards, and "Final Price" items. Some offers cannot be combined. See store associate for details.
Here's everything you need to know about the current offer
Waived Interest, Equal Payments Required
No Interest if paid in full within the promotional period.
Interest will be charged to your account (at the standard purchase APR) from the end of the promotional period on the remaining balance if the purchase balance is not paid in full within the promotional period or if you make a late payment. Minimum monthly payments for this plan during the promotional period will be the greater of: the amount of the purchase divided by the number of months in the promotional period (rounded up to the nearest $1.00); or $5. Minimum purchase and minimum monthly payments are required. Subject to credit approval and availability. Account must be in good standing at time of transaction. See store associate for details.
Gardner-White Credit Card Accounts are offered by Comenity Capital Bank, which determines qualifications for credit and promotion eligibility. At no time will the minimum payment due be less than $10.00. Minimum Interest Charge is $2.00 per credit plan. Standard purchase APR of 28.99%.