Maximizing every customer interaction starts with offering inclusive payment solutions. Learn how positioning Snap Finance as pay-over-time option early in the sales process can help businesses increase conversions, boost loyalty, and grow average order values.
Key takeaways
Proactively promoting Snap drives more sales. When customers know from the start that Snap is available, they’re more confident making purchases—even if they’ve been denied traditional financing.
Snap can help your business build long-term customer loyalty. Shoppers who have a seamless, inclusive financing experience are more likely to return and refer others to your store.
Training and marketing make Snap more effective. Merchants who integrate Snap into their sales scripts, checkout flow, and promotional materials see stronger performance from the partnership.
Don’t let another customer walk out of your store or abandon their online cart because they were denied financing. By integrating Snap-branded solutions more prominently into your sales process, you can increase sales, drive repeat business, and boost your average spend per ticket.
Traditional financing often excludes a significant portion of your potential customers – 78% of consumers with credit scores below 670 have been turned down for financing, according to recent research from Snap Finance. Low-credit financing for businesses, such as Snap-branded lease-to-own financing and loan options, can help save the sale after a denial.
Low-credit financing: From second look to first choice
While saving a sale is a powerful benefit, positioning Snap-branded solutions more proactively can foster trust and transform your sales results. By introducing Snap alongside other financing options during initial sales discussions, you can appeal to a broader audience of customers, including those who may already anticipate challenges qualifying for traditional credit.
Make customers aware of your partnership with Snap Finance through conversations, in-store signage, and your website. Additionally, integrating Snap into your checkout flow – online and in-store – makes it easier for customers to seamlessly select Snap as a payment option.
Customers with credit challenges are actively seeking retailers who understand their needs. Research from Snap Finance shows that among consumers with credit scores below 670:
42% have used installment loan financing in the past five years
24% have used lease-to-own financing – up 2% in the last year
This growing market isn't just looking for financing; they're looking for a seamless and welcoming shopping experience. Let them know inclusive financing options may be available to them from the beginning of the sales process, even if they have less-than-perfect credit.
Benefits for businesses offering access to low-credit financing
Adopting a more inclusive financing strategy does more than close a few extra sales. It has a ripple effect that can deliver measurable results for your entire business. Here are some of the significant advantages of integrating Snap more deeply into your business strategy.
1. Increase your sales and conversion rates
How many potential sales are lost because a customer assumes they won't qualify for financing? When you proactively promote the availability of inclusive pay-over-time options, including Snap-branded lease-to-own financing and loan options, you remove some of that uncertainty. This simple shift can dramatically increase sales with alternative financing, boosting your bottom line with revenue you would have otherwise lost.
When a customer knows a convenient payment solution is available from the start, they shop with more confidence. Let customers know that with Snap, no credit is needed1 and approval amounts are up to $5,000 in financing.2
2. Drive repeat business and customer loyalty
A customer's financing experience – good or bad – reflects directly on your business. Snap Finance found that more than half of consumers (54%) won’t return to a business after a bad financing experience.3 With Snap’s exceptionally high customer satisfaction score of 96% and a Net Promoter Score of 84, you can be confident in partnering with Snap Finance.4
When you help customers get the essential items they need through a simple and straightforward process, you create a memorable and positive impression and encourage them to return for future purchases. Knowing your store provides solutions that work for their financial situation is an important differentiator.
These satisfied customers are also more likely to recommend your business to friends and family, expanding your reach through trusted word-of-mouth referrals. By making Snap Finance a visible part of your value proposition, you build a reputation as a reliable and customer-focused business, creating a loyal following that drives sustainable growth.
3. Boost average spend per ticket
When customers have access to inclusive pay-over-time options, they are often more comfortable making big-ticket purchases. Instead of settling for a less expensive item or putting off a purchase altogether, they can get the products they truly want and need. This can lead to a higher average order value (AOV) across the board.
You can grow retail sales with Snap Finance by empowering customers to get the bigger-ticket items they want and need. With approval amounts up to $5,000 in financing, Snap can help customers shop with confidence.2
Making Snap Finance work for you
As a Snap Partner, the foundation for success is in place. Now, it's time to optimize your partnership.
Train your team
Encourage your sales team to introduce Snap's lease-to-own financing and loan options early in conversations with customers. Don’t assume you know who needs more inclusive financing options. Present Snap as a pay-over-time option from the start instead of only after a credit denial.
Ensure your customer-facing team knows how Snap works and can easily walk customers through the application. Role-playing different customer scenarios and taking advantage of resources on your Merchant Portal can build their confidence when talking about Snap with customers.
Leverage marketing tools
Snap provides a range of marketing materials designed to help you promote Snap-branded financing options. Use in-store point-of-purchase (POP) signage, such as posters and window clings, to let shoppers know Snap is available at your business.
Highlighting Snap on your website’s product pages, especially for higher-ticket items, can plant the seed early in the shopping journey. Adding Snap’s web banners to your store’s website allows customers to start an application from your site with one click. You can find Snap’s free web banners in your Merchant Portal in the Resources > Marketing tab.
Generate buzz for your business with Snap’s free social media graphics. Post Snap’s social graphics to your accounts to promote the availability of Snap at your location. Find them in your Merchant Portal under the Resources > Marketing tab.
Integrate Snap into your sales process
Incorporate Snap into your standard sales script. A simple question like, "Are you familiar with payment options through Snap Finance?" can open the door to a larger conversation. For e-commerce sales, ensure the Snap payment option is clearly visible on your product and checkout pages. A seamless online application process can significantly reduce cart abandonment.
The path to more sales and growth for your business
You made a smart decision by partnering with Snap Finance. Now, build on that success by making Snap a pillar of your sales strategy. By moving from a reactive to a proactive approach, you can approve more customers, increase sales, boost average ticket sizes, and cultivate a base of loyal, repeat buyers.
Don’t leave money on the table. Unlock the full power of your partnership and give every shopper the confidence to get what they need from you.
1Not all applicants are approved. Approvals subject to underwriting qualification criteria.
2Average approval amounts vary across product types and range from $300 to $5,000. Subject to underwriting qualification criteria.
3Proprietary research conducted through Accelerant Research’s Agora panel with 2,736 household are financial decision makers who made a $300+ purchase in the prior 6 months across 14 product categories. Snap Finance, August 2025.
4Voice of the Customer Survey. Snap Finance, Q2 2025.