Searching for appliance stores near you? Here’s how to find the ones that partner with Snap

Finding an appliance store that accepts accessible financing can help shoppers avoid wasted trips and unexpected denials. Learn how to use the Snap Store Locator, what types of retailers commonly partner with Snap, and what to bring when applying in-store for lease-to-own financing. 

Key takeaways:

• Use the Snap Store Locator and call ahead to confirm which appliance retailers are Snap partners.

• Independent dealers, regional chains, and furniture-appliance combo stores may offer better shopping experiences for credit-challenged consumers.

• Shoppers need only basic information to apply for Snap's lease-to-own financing.

When your refrigerator stops cooling or your washer suddenly quits, you usually don’t have weeks to shop around. You need an appliance store nearby, a payment option, and confidence that you won’t waste time applying for financing only to be denied.

Planning ahead helps you avoid these challenges.

Many shoppers with less-than-perfect credit already know the frustration of walking into a store, picking out what they need, and hearing “sorry, you don’t qualify.” Snap Finance found that consumers with credit challenges are frequently denied by traditional financing providers. 

The good news? Finding the right appliance store is often half the battle. The other half is knowing, before you go, that the store offers access to lease-to-own financing designed for people who may not qualify for traditional financing.¹

How to know if an appliance store accepts Snap before you shop there

One of the easiest ways to avoid wasted trips is to confirm if the store offers lease-to-own financing before you leave home or fill your online cart. The fastest place to start is the Snap Store Locator.

Snap partners with thousands of retailers nationwide, including appliance stores, furniture retailers, electronics shops, and regional stores. 

To narrow your search, the locator tool lets you:

• Enter your ZIP code

• Filter by shopping category, including appliances

• Find nearby stores before heading out

• See which retailers offer access to Snap’s lease-to-own financing

This can save a lot of frustration, especially if you’re shopping urgently for essentials like specific appliances or mattresses. Instead of driving from store to store, you can refine your search in minutes.

What to ask when calling ahead

Even after using the locator, it’s smart to call the store directly.

Most appliance retailers can quickly confirm whether they accept Snap and how the in-store process works. You don’t need a complicated script. Just ask:

“Do you accept Snap Finance for appliance purchases?”

In most cases, staff members will know immediately and tell you information about Snap. You can also visit snapfinance.com to learn more.

That simple phone call can help you feel more prepared and confident before you walk through the door.

Types of appliance stores that partner with Snap

Not all appliance retailers operate the same way. Some shoppers actually have better experiences at smaller local stores than at large national chains. Here are the most common types of appliance retailers that may work with Snap.

Independent appliance dealers

Independent appliance stores may be one of the best places to shop if you prioritize convenience and affordability. These locally owned retailers frequently:

• Carry scratch-and-dent inventory

• Offer closeout pricing

• Have knowledgeable staff

• Work closely with financing partners

• Help customers find options within their budget

Because smaller dealers tend to focus on customer relationships, they may also spend more time helping you compare products and payment options. Personalized service can make a significant difference for shoppers who need to quickly replace a broken appliance.

Regional appliance chains

Regional appliance chains are another strong option. These stores often have dedicated financing desks, staff trained on financing applications, larger appliance inventories, and delivery and installation services.

Instead of relying only on traditional credit approvals, many regional chains recognize that shoppers of all credit types may need pay-over-time options.¹

If you’re shopping during a sale weekend or replacing multiple appliances at once, these stores may also offer a wider range of brands and price points.

Furniture and appliance combo stores

Many Snap retail partners sell both furniture and appliances under one roof. These combo stores can be especially useful if you’re:

• Moving into a new home

• Furnishing an apartment

• Replacing several household essentials at once

Instead of visiting separate retailers for a couch, refrigerator, and mattress, you may be able to shop for everything in one trip. That convenience matters when you’re balancing time, transportation, and budget concerns.

What to bring when you go

Walking into the store prepared can help make the process smoother and faster.

What Snap requires at the point of application

To apply for Snap’s lease-to-own financing, here are the requirements:

• Be old enough to enter into a legal contract

• Steady monthly income of at least $750

• Active checking account

• Valid email address and smartphone number

You'll also need a Social Security number or ITIN and proof of income. And, importantly, there are several things you do not necessarily need, such as a perfect credit score, a cosigner, or an extensive credit history. Applying won’t affect your FICO^® score.¹

Why store choice matters more than people realize

When people search “appliance stores near me,” they’re usually focused on distance and price. But acceptance of lease-to-own financing can be just as important. A store may advertise a great appliance deal, but if its financing options only work for shoppers with strong credit, the savings may not help much.

Checking for Snap acceptance ahead of time can save you time, gas money, and delays in replacing essential household appliances. As you already know, when an appliance emergency happens, speed matters.

Whether you’re replacing a broken refrigerator before groceries spoil or getting a washer before laundry piles up, knowing which stores are ready to work with your situation can make the process much easier.

Find appliance stores near you that accept Snap

Ready to start shopping? Use the Snap Store Locator to find appliance stores near you that accept Snap’s lease-to-own financing options. You can search by ZIP code, browse nearby appliance retailers, and confirm financing availability before you go.

Want even more confidence before heading to the store?

You can also apply for Snap Finance online and get a decision in seconds. Depending on eligibility, approved shoppers may use their approval amount in-store or online at participating retailers.

Interested in learning more? Check out these resources from Snap Finance:

• Financial Literacy Month: Money management tips and insights to improve your financial health

• The Snap Finance 2026 Outlook Study: You, your money, and the year ahead

• Appliance recycling and replacement: How to responsibly upgrade your old machines

 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. No credit history is required. Snap obtains information from consumer reporting agencies in connection with your application; this does not impact your FICO® Score, though other credit scores may be affected.