Shop now.
Pay later.
Ready for a fresh approach to creditworthiness? Snap Finance can help.
Won’t affect your FICO® score to apply1
How Snap Finance works
Sometimes you need more time to pay, no matter how your finances stack up. Snap can help you get what you need now.
Apply
Apply in minutes, in-store or online. Get a decision in seconds with no hit to your FICO score.1
Find your store
Shop thousands of stores, online or near you.
Start shopping
Use your approved amount to get what you need today and pay later.
What could your lease-to-own payments look like?
Snap Finance-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is a lease-to-own payment example and based on the maximum term, which may result in higher lease costs. Or, you can choose an early ownership option to save on overall lease costs.3
What could your lease-to-own payments look like?
Snap Finance-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is a lease-to-own payment example and based on the maximum term, which may result in higher lease costs. Or, you can choose an early ownership option to save on overall lease costs.3
Why choose Snap Finance?
You’ll love Snap Finance’s clear and simple terms and convenient payment plans.
No credit needed¹
Need solutions that think outside the box – and your credit score - to determine your creditworthiness? Snap can help.
So quick, so easy
Apply in minutes, get a decision in seconds. Approvals from $300 to $5,000.
More shopping power
Shop now, pay later for tires and rims, furniture, mattresses, appliances, electronics, and more.
Multiple solutions
Get it now with lease-to-own financing, an installment loan, or a retail installment contract (RIC).2
What are you shopping for?
Over 100K shops. Shop by category.
Trusted by more than 8.5 million customers
Worry-free
No impact to your FICO score when you apply.1
Excellent rating
Based on verified reviews
Snap Finance goes where you go. Join 1M+ app users.
Disclosures
¹Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with submitted applications, and your score with those agencies may be affected.
²Snap Finance, its affiliates, and partners offer consumers a range of solutions, which may include lease-to-own financing, retail installment contracts, installment loans, and credit cards. Product availability may vary by state, merchant, industry, and qualification criteria. Certain products are issued by independent merchants or bank partners and serviced by Snap Finance LLC. For more information, visit https://snapfinance.com/legal/products
3 The cost of the Initial Promotional Period may vary based on merchant location and product offering. To exercise an early ownership or prepayment option, customers must make all required payments on time and ensure the applicable amount is paid within the required timeframe through the customer portal or by contacting Customer Care at 1-877-557 3769. See the applicable agreement for terms, details, limitations, and any applicable fees.