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Get approved through Snap Finance for up to $5,000 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.

While no credit history is required, Snap obtains information from consumer reporting agencies in connection with the lease-to-own application. Not all applicants are approved.

Get what you need today with Snap’s lease-to-own financing. 
All credit types welcome.

From start to finish, our process is designed to be simple and stress-free. It's the fastest way to get what you need TODAY!

While no credit history is required, Snap obtains information from consumer reporting agencies in connection with an application. Not all applicants are approved. As of February 2023, the average approval amount a customer receives is $2,900.

Even with bankruptcy, poor or no credit, we still give you the best chance for approval.

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.

Plans that work with your paydays and lower cost of ownership with early buyout options.

This service helped me cover a substantial car repair without having to outlay any of my own cash at the time of repair. Then, when I needed customer support, Fernanda was super helpful and was able to ensure that my loan was paid off timely.

This service helped me cover a car repair

Excellent customer care! Patient, knowledgeable, clear guidance and full disclosure of terms, safe and secure handling of my new account!

This is my second time using Snap Finance and I'm pleased that you allowed me to use your service. You were there when I needed you and I hope that your company…

I purchased a living room set last November. I like the payments, they are very cheap to me at $51 every two weeks. My credit isn't so good so I was happy they gave me…

I was having car trouble and Snap Finance made everything easy and convenient. Great customer service. When I needed help/answers they were quick to assist me. No waiting…

How It Works

Find a Store

For Business

Help

Shop now.Pay later.

Get what you need today with Snap’s lease-to-own financing.
All credit types welcome.

It’s quick & easy!

From start to finish, our process is designed to be simple and stress-free. It's the fastest way to get what you need TODAY!

Approvals up to $5,000

Even with bankruptcy, poor or no credit, we still give you the best chance for approval.

Flexible ownership options

Plans that work with your paydays and lower cost of ownership with early buyout options.

Customer-focused. Honest reviews.

Rob G.

This service helped me cover a car repair

Kimberly M.

Best Experience!

Charles A.

This is my second time using Snap…

Carmen

I'm pleased with the company as of today

Larry N.

Car trouble

Find stores that offer Snap

Snap Finance goes where you go

How It Works

Find a Store

For Business

Help

Shop now.Pay later.

Get what you need today with Snap’s lease-to-own financing. All credit types welcome.

It’s quick & easy!

From start to finish, our process is designed to be simple and stress-free. It's the fastest way to get what you need TODAY!

Approvals up to $5,000

Even with bankruptcy, poor or no credit, we still give you the best chance for approval.

Flexible ownership options

Plans that work with your paydays and lower cost of ownership with early buyout options.

Customer-focused. Honest reviews.

Rob G.

This service helped me cover a car repair

Kimberly M.

Best Experience!

Charles A.

This is my second time using Snap…

Carmen

I'm pleased with the company as of today

Larry N.

Car trouble

Find stores that offer Snap

Snap Finance goes where you go

Get what you need today with Snap’s lease-to-own financing.
All credit types welcome.