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Have questions about your application? Call 866-861-5831

We will contact you shortly with next steps. Snap Finance is looking forward to partnering with your business.

Thank you for submitting your application

Get approved through Snap Finance for those with bad credit or no credit. Snap Finance has industry-leading approval rates! Get approved for furniture, mattresses, tires, wheels, and more from a merchant near you or online.

Not 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.

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

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

Prequalification is not available for all Snap-branded products.

See if you prequalify for Snap’s lease-to-own financing. It won’t affect your credit score to check – and it’s a quick and easy way to understand your options with Snap. Apply in minutes, get a decision in seconds.

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

As of February 2023, the average approval amount a customer receives is $2,900.

We look beyond bankruptcy, and poor or no credit history to give you the best chance for approval. 

• Apply in minutes, get a decision in seconds

• Approvals range from $300 to $5,000
• No impact to your FICO® score

Standard maximum lease term is 12 – 18 months. To exercise the 100-Day Option, consumers must ensure the full 100-day amount is paid within 100 days by contacting Customer Service at 1-877-557-3769 or scheduling payments in the customer portal. The 100-day option includes a cost of lease above the merchandise price.

We offer options to pay off your loan or complete your lease early and save.

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

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...

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

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.

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

How It Works

Find a Store

For Business

Help

Shop now.Pay later.

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

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.

Select Transaction Amount

How often do you get paid?

Payment plan

Twice a Month

Estimated # of payments

Total payments

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.

Christopher K.

Super helpful

Erikson A

The staff that treated me was excellent

Stephanie N

Everything was easy and fast

Find stores that offer Snap

Snap Finance goes where you go

How It Works

Find a Store

For Business

Help

Shop now.Pay later.

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

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.

Select Transaction Amount

How often do you get paid?

Payment plan

Twice a Month

Estimated # of payments

Total payments

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.

Christopher K.

Super helpful

Erikson A

The staff that treated me was excellent

Stephanie N

Everything was easy and fast

Find stores that offer Snap

Snap Finance goes where you go

• Approvals range from $300 to $5,000
• No impact to your FICO® score