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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

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Pay over time

Our convenient payment plans offer an easy, stress-free experience.

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Instant shopping power

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

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Thousands of choices

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

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Easy to apply

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

What could your lease-to-own payments look like?

Snap offers lending and lease-to-own options with multiple payment and ownership 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 with Snap, your payments would be different.

Calculations are based on a 2.25 factor rate.
Select Transaction Amount

$1,250.00

$150

$1,250

$2,500

$3,750

$5,000

Adjust the slider to estimate your payments.

How often do you get paid?

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
$74.35
Twice a Month
Estimated # of payments

36

Total payments

$2,487.50

Get Started

Make it merry with Snap

A shopping guide for the ultimate holiday host

Hosting for the holidays? Use this shopping guide to make sure your home is ready to welcome guests and create holiday memories.

New year, new start: Set your holiday budget now to start 2025 financially strong

Creating a holiday budget and spending wisely now can make a big difference for your family finances in 2025.

A very merry mattress shopping guide

Dreaming of a new mattress? Let our shopping guide help you find the perfect fit, so you can shop right and sleep tight.

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® credit score to apply

Get more time to pay

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

Customer-focused. Honest reviews.

GG

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...

CK

Christopher K.

Super helpful

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

EA

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.

SN

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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