Furnishing a new place isn’t cheap. Discover how to stretch your budget in your new space. Here’s what you’ll learn in this blog.

Key takeaways:

• Moving comes with upfront costs that can quickly add up.
• Smart planning can reduce financial stress when relocating.
• Lease-to-own financing from Snap can help you get furniture and appliances now and pay later.

Moving into a new space is an exciting milestone, whether it’s due to an upgrade, a job relocation, or downsizing after the kids move out.

But let's face it. Relocating also comes with a hefty price tag. From moving trucks to security deposits, the expenses quickly pile up. And then there’s the challenge of furnishing your new space. You may need a sofa, bed, kitchen table, and basic appliances, such as refrigerators and washers. Without careful planning, the upfront costs can be overwhelming.

The good news? There are ways to furnish your home now and pay over time. Options, including lease-to-own financing from Snap Finance, offer a practical solution to help you get what you need without paying for it all upfront. And that can make your moving experience less stressful.

Here’s how you can plan well, shop right, and furnish your new place without draining your savings.

Budget-friendly moving tips

Planning and budgeting are the keys to easing the financial strain of relocating. Start your preparation by following these simple tips:

Measure your new space

Moving isn’t just about transporting your belongings – it’s about making them fit in your new space. Take accurate measurements of your new rooms so you can determine what furniture will work in those spaces. Focus on dimensions for large items such as sofas, dining tables, and beds.

Prioritize must-haves

Resist the urge to buy everything at once. Start by listing the essentials you need immediately, such as a sofa, a mattress, and maybe a sturdy table to eat at. Once the essentials are covered, you can gradually add décor and accessories.

Pack smart

Save on moving supplies by reusing boxes from grocery stores or collecting sturdy containers from friends. When packing, label boxes clearly, so unpacking is easier and simpler. Donate or sell what you no longer need, especially bulky furniture that won’t fit your new space.

Time your purchases and be smart

Shopping smart can save you hundreds of dollars. Watch for sales around major holidays or store clearances when retailers mark down inventory. Many stores offer seasonal discounts, which is ideal if you’re moving home on a budget.

And don't forget to shop garage sales, online marketplaces, and your parents’ storage closets for second-hand items you can use. Although you can’t use Snap’s lease-to-own financing on used items, the upfront – or free! – costs of second-hand furniture will be helpful.

Decide what to keep vs. replace

Not all furniture is worth moving. If a couch is outdated or your dining table is falling apart, it might be more practical to replace those items with better-quality items but don't forget you can get cheap furniture for new home buyers, especially if paying over time is an option.

Pay later with Snap's lease-to-own financing for new furnishings

When cash is low but you still need essentials, Snap can help you furnish your home without paying for it all upfront. With Snap's lease-to-own financing, you can get the furniture and appliances you need now and pay over time. Here’s why it might be a game-changer for those planning a big move.

No credit needed¹

Even with low or no credit, you may qualify for Snap's lease-to-own financing.¹ If traditional financing, which often requires higher credit scores, isn't available to you, you still may be able to get what you need.¹ Snap’s approach to no-credit moving expenses helps ensure that more people can furnish their homes now and pay later.¹

Convenient payments

Snap Finance offers several ways to complete your lease agreement. Payments are automatically set up to align with your paydays for the maximum length of the lease agreement.² Or you can choose an early ownership option to save on overall lease costs.² If you would like to change how often you make payments on your account or choose an early ownership option, you will need to contact Snap Finance.²

Get big-ticket items

From a lease-to-own sofa to appliances such as refrigerators, dishwashers, and washing machines, Snap helps you bring home those big purchases that make your house feel like home.

Using Snap helps you avoid some of the stress of paying a large lump sum for essential furniture, giving you the freedom to make payments over time.

Examples of how it could work for you

How would Snap's lease-to-own financing work in "real life?" Let's look at a few examples. Let's say Jess and Mark recently moved from a three-bedroom home to a smaller city apartment. Faced with limited space, they realized they needed to replace their bulky sectional and king-sized bed with some new items. Using Snap’s lease-to-own financing helped them bring home a new sofa and mattress without the upfront cost.

In another example, let's say first-time homeowner Sophia had already spent most of her savings on closing costs and property taxes. With Snap, she was able to get a refrigerator and dining table right away and pay later with lease-to-own financing. In this example, paying over time gave Sophia added flexibility when setting up her new home.

Shopping with Snap

Snap Finance makes it convenient to purchase what you need for your new space. Their Store Locator tool helps you browse partner retailers, so you can shop online or in person for what you need, whether you want high-end furnishings or cheap furniture for new home setups.

Snap partners with furniture and appliance stores where you can access Snap's lease-to-own financing. Whether you prefer local businesses or national chains, a quick search on their website will direct you to retailers in your area or online.

Some popular Snap Finance partners specialize in home furnishings at every price point, making it easy to find items that suit your taste and budget. From cozy sofas to energy-efficient appliances, their selection caters to diverse needs.

Online shopping expands your opportunities. Many Snap partner retailers have user-friendly websites, so you can browse from home, compare options, and have everything delivered right to your door.

Long-term savings strategies

While moving itself can be costly, there are several ways to minimize long-term expenses when furnishing your home. Here’s a few strategies you might consider.

Invest in quality

Buying quality furniture and appliances sometimes pays off in the long run by eliminating the need for frequent replacements. Even if you’re on a budget, pay over time options like Snap's lease-to-own financing make it more convenient to invest in durable items upfront.

Take advantage of promotions

Watch for promotional offers from retailers who partner with Snap Finance. Seasonal sales or exclusive discounts can save you money while using lease-to-own to pay over time.

Buy out early

Snap Finance provides early ownership options that can reduce overall lease costs. Snap’s default lease plan is 12 to 18 months.² Or you can choose to buy out your lease early and save on overall lease costs.² You can decide what payment plan works best for you.

To choose an early ownership option, customers must make all regular payments on time and schedule additional payments in the Customer Portal or by contacting Customer Care at 877-557-3769.

Lease-to-own ownership plans with Snap Finance

• Maximum-Term Plan (lowest payments)²
  Customers make payments over the maximum 12-18 months of their lease agreement. This is the default payment schedule.
• 100-Day Option (lowest overall cost)²
  Customers can save significantly on their cost of lease by making all regular payments on time and paying the required amount in the first 100 days. Customers must schedule this option.
• Early Buyout Option (most flexible option)
  After 100 days, customers can also save on their cost of lease when they buy out their agreement before the end of their maximum term. Customers must schedule this option.

Under the terms of the lease agreement, you can end the relationship by surrendering the merchandise. Check your lease agreement for complete information.

For more information on ownership plans and Snap’s lease-to-own financing in general, check out the Snap Finance FAQ page.

Shop now, pay later with Snap

Relocating to a new home comes with its fair share of stress but furnishing it doesn’t have to. With Snap Finance’s lease-to-own financing, you can bring home the essential furniture and appliances you need without paying for it all upfront. Whether it's a lease-to-own sofa for your living room or a new washer for hassle-free laundry days, Snap can help you shop now, pay later. Plus, with no credit needed, more shoppers can get what they need for their dream home.

Start your moving journey today and discover how furniture financing moving solutions can make your relocation easier. Visit Snap Finance to apply for lease-to-own financing or find a Snap partner store near you. Your new home is waiting!

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.

²The 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 the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option may include a cost of lease above the merchandise price.