Shop now.
Pay later.
Shop now.
Pay later.
Ready for a fresh approach to creditworthiness? Snap can help.
Won't affect your FICO® score to apply1
Get it now with lease-to-own financing, an installment loan, or a retail installment contract2
How Snap works
Sometimes you need more time to pay, no matter how your finances stack up. Snap can help you get what you need now.
Find your store
Finding a store is the easy first step. Shop thousands of stores, online or near you.
Apply
Apply in minutes, in-store or online. Get a decision in seconds with no hit to your FICO score.1
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-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 based on our standard 12-18 month plan. Or, you can choose Snap’s 100-Day Option, which helps you save significantly on lease costs when you make all regular payments on time and pay the required amount in the first 100 days.3 After 100 days, you can also save on lease costs if you buy out your lease early.
Why choose Snap?
You’ll love Snap’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 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. Get our app now.
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-branded product offering includes retail installment contracts, bank installment loans, and lease-to-own financing. Talk with your local Snap sales representative for more details on which product qualifies at your store location. For more detailed information, please visit snapfinance.com/legal/financing-options.
³Standard lease plan 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 Care 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.