Furnishing your home in Miami just got easier with Snap Finance. Whether you’re looking for a new mattress, living room set, or appliances, Snap’s lease-to-own financing gives you fast access to essentials, even if traditional financing hasn’t worked out for you. Here’s what you need to know before you shop.

Furnishing your home in Miami just got easier with Snap Finance. Whether you’re looking for a new mattress, living room set, or appliances, Snap’s lease-to-own financing gives you fast access to essentials, even if traditional financing hasn’t worked out for you. Here’s what you need to know before you shop.

Key takeaways

• Snap’s lease-to-own financing gives you access to the items you need without having to pay for everything upfront.
• Top Miami furniture stores offer access to Snap Finance’s lease-to-own financing, including Ashley, CITY Furniture, El Dorado, and Rooms To Go.
• Apply online, in-store, or through Snap’s mobile app. Get a decision in seconds and start shopping.

Miami is all about color, culture, and comfort – and your furniture should be, too. If you’re trying to furnish your home but traditional financing hasn’t worked out, Snap Finance can help you get what you need today – no credit needed.¹ With Snap's lease-to-own financing, you have fast access to essential items like comfortable sofas, mattresses, and dining sets – perfect for kicking back with a cafecito after a long day.

Many major retailers across Miami-Dade offer access to Snap's no-credit-needed lease-to-own financing, with approval amounts ranging from $300 to $5,000.¹ With so many retailers partnering with Snap, odds are good you can shop nearby and get the furniture piece you want today.

How Snap lease-to-own financing works

In a lease-to-own agreement with Snap Finance, Snap purchases the merchandise from the retailer and then leases the merchandise to you, the customer. Lease-to-own financing breaks the cost into smaller payments that may be a better fit for your financial situation. For many households, the ability to pay over time is more manageable than paying the full amount upfront. 

The Snap Finance application process is designed to be fast and simple.

• Apply online or in-store. The application takes just a few minutes, and you’ll receive a decision within seconds. You can also apply through the Snap Finance mobile app (iOS or Android). 
• If approved, shop with confidence. Approval amounts typically range from $300 to $5,000. Snap purchases the merchandise on your behalf; you lease it and make scheduled payments to Snap.
• Take your items home. Some retailers offer same-day delivery. Use the items while you pay. Once you complete the terms of your lease, you obtain ownership.
• Meet requirements. Be 18 or older, have a steady monthly income of at least $750, an active checking account, and a valid email address and smartphone number.

Keep in mind that Snap always checks credit. But because Snap's application results are not based on credit alone, customers can be approved even with poor credit or no credit. All credit types are welcome to apply, but not all applicants are approved. 

While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications. For lease-to-own financing, Snap uses data from secondary reporting agencies (CRAs), including Clarity and DataX. Applying with Snap may affect an applicant's credit score with those CRAs. But it won't impact your FICO® score to apply with Snap.¹

For more details, visit Snap’s How It Works page.

Snap partner furniture stores in the Miami area

Several retailers across the Miami area accept Snap Finance. Use the list below to find a location near you.

• Ashley Furniture: Living room, bedroom, dining, home office, and mattresses.
  Multiple locations, including two in Miami and one at 710 Washington Ave., Miami Beach
• CITY Furniture: Large assortment across living room, bedroom, dining, home office, and mattresses.
  Multiple locations, including 9255 S. Dixie Hwy., Miami
• El Dorado Furniture: Living room, bedroom, dining, home office, and mattresses.
  Multiple locations, including 2475 SW 8th St., Miami
• Rana Furniture: Living room, bedroom, dining, home office, and mattresses.
  Multiple locations, including 7821 NW 67th St., Miami
• American Signature Furniture: Living room, bedroom, dining, and mattresses.
  7775 SW 40th St., Miami
• Furniture King Miami: Sofas, sectionals, dining, bedroom, home office, and mattresses.
  1455 NW 107th Ave., Miami
• El Dollar Furniture: Living room, bedroom, dining.
  1071 W Flagler St., Miami, and 1919 NW 21st St., Miami
• Albert Furniture: Living room, bedroom, dining.
  14718 SW 56th St., Miami
• Miami Gallery Furniture: Living room packages, bedroom sets, home office, and mattresses.
  460 W 29th St., Hialeah
• Pague Poco A Poco: Furniture, mattresses, and electronics.
  1310 W Flagler St., Miami, and 7225 NW 54th St., Miami
• Rooms To Go: Living room, bedroom, dining, home office, and mattresses.
  Multiple locations, including 7360 N. Kendall Dr., Miami
• Unique Furniture Miami: Contemporary living room, dining, and bedroom.
  14135 NW 7th Ave., North Miami
• Furniture For Less – Miami: Living room, bedroom, and dining.
  10865 SW 40th St., Miami
• Casa Blanco Mattress & Furniture: Mattresses, sofas, sectionals, beds, and dining.
  9195 SW 40th St., Miami
• Mega Furniture: Bedroom sets, living room, dining, and home office.
  1265 NE 163rd St., Miami

This list is just a small sample of merchants that accept Snap. For more locations or store hours, use the Snap Store Locator.

Tip: When visiting a showroom, let the associate know you plan to use Snap’s lease-to-own financing. If you’ve already been approved online, bring your approval info for faster checkout.

Lease-to-own furniture in Miami: What you can get

Miami-area showrooms offer a wide range of furniture and mattresses that you can lease-to-own through Snap. While furniture is a primary focus, plenty of partner stores also offer mattresses, along with electronics and appliances – all items that Snap can help you take home and work toward owning.²

• Furniture for every room: Sofas, sectionals, loveseats, recliners, TV stands, coffee/side tables, beds, headboards, dressers, nightstands, dining tables and chairs.
• Mattresses & bases: Memory foam, hybrid, and adjustable bases.
• Electronics & appliances: Several partners also carry electronics like TVs, laptops, and sound systems, or appliances such as refrigerators, washers, and microwaves – check each store’s lineup before you shop.²

Always confirm what’s leasable with the merchant and review your lease agreement before checking out.

Applying for Snap Finance locally in Miami

If you’re ready to shop, getting started with Snap Finance is easy – and fast.

• Start with the Store Locator. Enter your ZIP to browse nearby partners, then pick a convenient showroom. Whether you’re looking for furniture, mattresses, electronics, or appliances, the Snap Finance Store Locator makes it easy to find participating retailers online or near you.
• Apply online (or in-store). The application takes a few minutes; you’ll get a decision within seconds. If approved, you’ll see your approval amount ($300 to $5,000 in lease-to-own financing). Approvals may be valid for up to 60 days.
• Shop and check out with Snap. Once you've chosen your merchandise, you can complete your transaction right then at checkout. Tell the associate you’re using Snap. Then Snap purchases the item upfront; you make payments to Snap per your lease agreement. There's zero payment due at signing for most customers. However, there may be a processing fee or initial payment due the day you complete your transaction, depending on where you're shopping. Check your lease agreement for specifics.
• Make payments over time and obtain ownership. You’ll make scheduled payments; once you complete the terms of your lease agreement, the merchandise is yours.

If you still have questions, check out the How It Works or questions page for more information on the application process.

Ownership options with Snap

Snap Finance offers several ways to complete your lease agreement. For example, let's say you need a new sofa and you select one that's $1,500. Using Snap, you could pay around $200 per month for Snap's maximum term of 18 months.³ Or you could choose an early ownership option to save significantly on lease costs.³ Snap's multiple ownership plans are designed to fit individual needs. Those plans may affect overall costs and payment amounts.

Payments are automatically set up to align with your paydays for the maximum length of the lease agreement. Choose the plan that fits your goals and timeline.

• Maximum-Term Plan (lowest payments)³
  You make payments over the maximum 12–18 months of their lease agreement. This is the default payment schedule.
• Early ownership options (lower costs)³
  Customers can save significantly on their cost of lease by making all regular payments on time and paying the required amount before the end of the maximum term, including any early buyout promotions. Customers must schedule an early ownership option.³

Put a little more vida in your space

Whether you're in Doral, Hialeah, or Little Havana, Snap’s lease-to-own financing can help you shop for furniture today and make payments over time.

Remember, in five simple steps, you can get what you need:

1.     Apply in minutes, online or in-store.

2.     Get a decision in seconds for $300 to $5,000 in lease-to-own financing.

3.     Shop at a Snap retail partner for eligible durable merchandise.

4.     Pay over time with payments that work for you.

5.     Own the merchandise once you've completed the terms of your lease agreement.

There are many Snap partner furniture stores in Miami ready to help you find the right sofa, dining set, or bedroom suite. With Snap, furnishing your home is easier than ordering a cafecito in Little Havana.

Use the Snap Finance Store Locator to find a Snap retail partner online or near you. Or visit snapfinance.com to apply online.

The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.

¹Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.

²Some restrictions may apply on leasable auto parts, electronics, or sporting goods. Please check with merchants for details.

³The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including any early buyout promotions, you must make all regular payments on time and ensure the required amount is paid within the applicable timeframe through the customer portal or by contacting Customer Care at 1-877-557-3769. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.