No credit?1
No problem.
Pay later with Snap.
Ready for a fresh approach to creditworthiness? Snap can help.
Pay-over-time financing, simplified
You’ll love Snap’s clear and simple terms and convenient payment plans.
Pay over time
Make convenient payments over time that align with your paydays.
Instant shopping power
Instantly access up to $5,000 in financing if approved.2
Get what you need from the shops you love
Snap is available in-person or online at thousands of locations.
Easy application
Apply in minutes and get a decision in seconds.
What you need to apply
Be old enough to enter into a legal contract
Steady monthly income of at least $750 or $1,000, depending on product
Active checking account
Valid email address and smartphone number
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
Finding a store is your easy first step
Over 100K participating locations. Search by category.
Disclosures
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 submitted applications, and your score with those agencies may be affected.
2Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.