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BROOKSHIRE
FURNITURE & MATTRESS
Easy Financing with
American First Finance
Need new furniture or a mattress but want flexible payments?
Through our trusted partner American First Finance, get approved for $300–$5,000 with no credit needed* — even if you've had credit challenges. Apply conveniently from home in minutes for a fast decision right on your phone. When you're ready to buy, visit our store to select your items, review terms, sign, and complete the purchase. All done right from your phone.
Quick and Easy.
REQUIREMENTS
-Traditional Checking Account
-SSN or TIN
-Minimum Net Income of $800
-Valid Bank Account And Debit Card
(No Credit Card)
N0 CREDIT NEEDED
The initial payment of $53.38 is an upfront fee paid from your phone when you finalize your purchase.
90-Day Early Buyout Option
(Recommended)
Buyout your lease within the first 90 days to save money on leasing fees.
To take advantage of the EBO, customers need to make payments larger than their scheduled contractual payments or additional payments.
To exercise the Early Buyout Option,
Your will pay:
Item Price
+Sales Tax
+Applicable Fees
($53.38 Early Buyout Fee)
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Example of EBO Breakdown
Item Price- $1000
+Sales Tax- $82.50
($360.83 per month for 3 months)
+Applicable Fees- $53.38
Total- $1,135.88
​
Full Term Option
-Between 6-24 Month Terms with
Weekly, Bi-Weekly, Semi-Monthly, or Monthly Payments
-Fixed, affordable payments over months
-Interest/finance charges or leasing fees added to the full cost
-Autopay for convenience
-Log into your AFF account anytime to view your exact schedule, balance, and total cost
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Example of Full-Term Breakdown
Item Price- $1,000
+Sales Tax- $82.50
+Interest/Finance Charges- $1,559.54
Total- $2,642.04
(12 monthly payments of $220.17)
​
Payment frequency will be set to match the applicant’s own pay periods. *​
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