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Affirm
Acima
Snap
American First
Credit requirements
Credit-dependent
No credit required
No credit required
Credit-dependent
Availability
Online & In-store
In-store
In-store
Online & In-store
Maximum Financed
Up to $20,000
Lease-to-own up to $5,000
Lease-to-own up to $5,000
Up to $15,000
0% APR
6-24 month term lengths
Unavailable
Unavailable
Promotional options
Initial Payment
Varies based on creditworthiness
Varies
Varies
Varies
Transparent financing
Flexible payments
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Choose the financing option that works best for you
Affirm
Acima
Snap
American First
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