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Shop now.Pay later.

Snap takes a fresh approach to creditworthiness. We look beyond your credit score, considering you for opportunities others may not.

Simple and stress-free with Snap

Pay over time

Our convenient ownership options are based on your paydays for an easy, stress-free experience.

Instant shopping power

Get what you need today and pay over time for furniture, mattresses, wheels, tires, appliances, electronics, and jewelry.

Thousands of choices

Choose from +150,000 shops, in-store and online, to get what you want today with Snap.

Easy to apply

Our application process is quick, and you get a decision in seconds.

What could your payments look like?

Our payments plans are flexible to fit your paydays and lifestyle, with early buyout options to reduce overall cost.

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For illustrative purposes only.

This is an example of a lease-to-own transaction, based on 36 payments twice a month for a total amount of $2,487.50 with a cost of lease of $2,686.50. Your total approval amount and cost of lease may vary.

Payment plan
Twice a Month
Estimated # of payments


Total payments


Get Started

So quick, so easy

You’ll love Snap’s clear and simple terms and convenient payment options. Find a store to get started.

Snap has your back

• Apply in minutes, get a decision in seconds
• Approvals range from $300 to $5,000
• No impact to your FICO® score

Get more time to pay

Snap offers convenient, hassle-free plans that work with your paydays including options to lower your overall financing costs.

Customer-focused. Honest reviews.


Gino G.

Snap helped out in a time of need.

Their call center is very professional and attentive. They gave me all options available and were able to satisfy all my wants. This is definitely an option for people who have a hard time saving money for things they need or want. Snap is a great option...


Christopher K.

Super helpful

Super helpful! Excellent service. They really make it stress free and easy to get the right mattress. Highly recommended.


Erikson A

The staff that treated me was excellent

Well to start with, the staff that treated me was excellent, friendly, good treatment, and also good payment options with the appliances. I loved it. In the future, I will surely look for them again and I recommend it.


Stephanie N

Everything was easy and fast

Everything was easy. The guy who helped me was nice and informative!! Definitely recommend.

Rated 'Excellent' on

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