It’s Easy! No Credit Needed.
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
Estimate Your Payment
| Price | Term (in Months) | Weekly Payment | 101 Days Same As Cash |
|---|---|---|---|
| $300 | 14 | $10.89 | $300.00 |
| $400 | 14 | $14.52 | $400.00 |
| $500 | 14 | $18.15 | $500.00 |
| $600 | 14 | $21.77 | $600.00 |
| $700 | 14 | $25.40 | $700.00 |
| $800 | 14 | $29.03 | $800.00 |
| $900 | 14 | $32.66 | $900.00 |
| $1,000 | 14 | $36.29 | $1,000.00 |
| $1,100 | 14 | $39.92 | $1,100.00 |
| $1,200 | 14 | $43.55 | $1,200.00 |
| $1,300 | 14 | $47.18 | $1,300.00 |
| $1,400 | 18 | $39.49 | $1,400.00 |
| $1,500 | 18 | $42.31 | $1,500.00 |
| $1,600 | 18 | $45.13 | $1,600.00 |
| $1,700 | 18 | $47.95 | $1,700.00 |
| $1,800 | 18 | $50.77 | $1,800.00 |
| $1,900 | 18 | $53.59 | $1,900.00 |
| $2,000 | 18 | $56.41 | $2,000.00 |
| $2,100 | 18 | $59.23 | $2,100.00 |
| $2,200 | 18 | $62.05 | $2,200.00 |
| $2,300 | 18 | $64.87 | $2,300.00 |
| $2,400 | 18 | $67.69 | $2,400.00 |
| $2,500 | 18 | $70.51 | $2,500.00 |
| $2,600 | 18 | $73.33 | $2,600.00 |
| $2,700 | 18 | $76.15 | $2,700.00 |
| $2,800 | 18 | $78.97 | $2,800.00 |
| $2,900 | 18 | $81.79 | $2,900.00 |
| $3,000 | 18 | $84.62 | $3,000.00 |
| $3,100 | 18 | $87.44 | $3,100.00 |
| $3,200 | 18 | $90.26 | $3,200.00 |
| $3,300 | 18 | $93.08 | $3,300.00 |
| $3,400 | 18 | $95.90 | $3,400.00 |
| $3,500 | 18 | $98.72 | $3,500.00 |
| $3,600 | 18 | $101.54 | $3,600.00 |
| $3,700 | 18 | $104.36 | $3,700.00 |
| $3,800 | 18 | $107.18 | $3,800.00 |
| $3,900 | 18 | $110.00 | $3,900.00 |
| $4,000 | 18 | $112.82 | $4,000.00 |
| $4,100 | 18 | $115.64 | $4,100.00 |
| $4,200 | 18 | $118.46 | $4,200.00 |
| $4,300 | 18 | $121.28 | $4,300.00 |
| $4,400 | 18 | $124.10 | $4,400.00 |
| $4,500 | 18 | $126.92 | $4,500.00 |
| $4,600 | 18 | $129.74 | $4,600.00 |
| $4,700 | 18 | $132.56 | $4,700.00 |
| $4,800 | 18 | $135.38 | $4,800.00 |
| $4,900 | 18 | $138.21 | $4,900.00 |
| $5,000 | 18 | $141.03 | $5,000.00 |