Launched in 2012, Snap Finance’s technology brings together more than a decade of data, machine learning, and nontraditional risk variables to create a proprietary decisioning platform that looks at each customer through a more holistic lens. Snap’s convenient lease-to-own and loan solutions are changing the face and pace of consumer retail finance.

Snap Finance can be used at thousands of participating Snap Partners. Use the Snap Finance Store Locator to find a participating retailer near you or online. Go to snapfinance.com/find-stores

Use your approved amount from Snap Finance at select merchants that specialize in furniture, mattresses, tires, appliances, electronics, jewelry, and more. Use our Store Locator to find a merchant near you.

No, Snap Finance approvals are not a revolving credit account. Revolving credit accounts is a type of credit that lets you borrow money, repay it, and then borrow again up to a set limit as often as you want. A credit card is the most familiar type of revolving credit account. Snap Finance approval amounts are meant to be used for one transaction that you pay over time. Learn more about Snap’s lease-to-own financing and Snap Loan

Approvals may be valid for up to 60 days. Please refer to your specific approval terms.

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box; 26561 Salt Lake City, Utah 84126

For Snap’s lease-to-own product, Snap reports payment outcomes to the following credit bureaus: Clarity Services Inc, and DataX. For loan products, Snap reports payment activity to the TransUnion credit bureau, as well as Clarity Services Inc and DataX.

Since 2012, more than 7 million customers have trusted Snap to help them get what they need. Snap Finance is TRUSTeCertified. See what our customers have to say about Snap. See what our customers are saying.

Snap always checks credit. But keep in mind that because Snap's application results are not based on credit alone, customers can be approved even with poor credit or no credit. Not all applicants are approved and approvals are subject to underwriting qualification criteria.

For lease-to-own and installment loan products, data from secondary credit reporting agencies (CRAs), including Clarity and DataX, are used. Applying with Snap will affect your credit score with those CRAs. 

If you are approved, Snap will email detailed instructions on how to use your approval. If you have any questions, please call or chat with our Customer Care team.

Ways to contact Snap:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

Yes. The 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.

Save on finance charges by making each scheduled payment on time and paying the full principal plus any processing fee, if applicable, within the promotional window. If you pay off the balance after the promotional window but before the final maturity date, you’ll still reduce your total finance charges. You can pay off early in the customer portal or by contacting Customer Care at 1-877-557-3769. Early payoffs include a processing fee, if applicable, above the merchandise price. For details and limitations, including relating to the length of your promotional window, refer to your Snap Loan agreement.

See the Snap Loan agreement for limitations.

Your scheduled payments are conveniently set up to align with your paydays. If you would like to change how often you make payments on your account, please chat with a member of our Customer Care team.

Ways to contact Snap:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

Additional payments can be made through the Snap Finance mobile app (IOS or Android). You can also follow these simple steps to make an additional payment using your Customer Portal:

1. Log in to your account at customer.snapfinance.com.

2. Select the Schedule Payment button on the main dashboard. If this option is not available, click on the Lease Details or Loan Details tab and follow the directions to add your card information.

3. Continue to Select a Payment Method. You can choose between the stored bank account information or add a new payment method.

4. Enter the payment amount and click Select.

5. Proceed to enter your payment date. Please consider the following when scheduling additional payments:

·      When using your bank account:

o   Payments made early in the day will generally be processed the next business day. Payments made later in the day may require an extra business day to process.

o   Future payments can be scheduled for up to a week from today’s date except on weekends and holidays. 

·      When using your debit or credit card: 

o   Future payments can be scheduled the same day when using a debit or credit card.

6. Verify the information is correct and select Submit Payment.

It's easy to explore early buyout options for your lease or early payoff options for your loan. You may use our chat feature on snapfinance.com or call our Customer Care team at 877-557-3769 to discuss payment methods or options. For loans and leases, follow these simple steps to make a payment online with a credit or debit card using your Customer Portal.

• Sign in to your account at customer.snapfinance.com.
• Select the Schedule Payment button on the main dashboard. If this option is not available, click on the Lease Details or Loan Details tab and follow the directions to add your card information.
• Continue to Select a Payment Method.
• Select a stored payment method.
• Select the default payoff amount displayed.
• Verify the information is correct and click Submit Payment.

Congratulations! You have completed your lease or loan!

Yes. If you turn off your automatic payments, it will be necessary to make your payments in the Customer Portal or by contacting Snap Finance. To request changes to how you make your payments, you may use our chat feature on snapfinance.com or call our Customer Care team at 877-557-3769 to discuss payment methods or options.

To request changes to your payment amounts or how you make your payments, please use Snap’s chat feature to speak with a member of our Customer Care team. You can begin a chat in the bottom right of your screen.

Other ways to contact us:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

The default method of payment for a Snap-branded loan or lease-to-own agreement is via ACH using your bank account on file. However, for your lease, you can add a debit/credit card as the primary method through the Snap Finance mobile app (IOS or Android) or by following these simple steps:

• Log in to your account at customer.snapfinance.com.
• Click the Lease Detail or Loan Detail tab on the main dashboard.
• Select Add a Payment Option to add your card information.
• Click Change Primary Payment Method.
• Select Select next to your desired payment method.

*Note: You will receive a confirmation message stating "All scheduled payment transactions will be charged to your selected primary payment method." 

If you want to change your bank account, please call to speak with a member of our Customer Care team.

Ways to contact us:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

You can make extra payments or change the amount of your regularly scheduled payments by speaking with a member of our Customer Care team.

Ways to contact us:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

There are four simple requirements to apply.

• Be old enough to enter into a legally binding contract, which may vary by state or territory
• Have an active checking account
• Have a steady income of $750 a month for lease-to-own financing or $1,000 a month for Snap Loan
• Provide a valid email address and smartphone number

If you can meet these requirements, you're eligible to apply.

The application process is simple, and you get a notification of a decision in seconds. Here's how you can apply.

• Apply online at snapfinance.com or for Snap Leasing, through the Snap Finance mobile app (IOS or Android).
• Apply in-store at a Snap Partner through the text-to-apply feature on your smartphone or ask a sales representative for more information. Snap is available at thousands of stores.
• Online, you can apply and check out with our select e-commerce Snap Partners.

Yes. Snap uses a proprietary approval process that looks at more than credit scores. All credit types are welcome to apply. Not 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.

No. Snap does not provide cash loans. If approved for our lease-to-own product, Snap will purchase the merchandise and lease it to you. You make payments over time to Snap until the terms of your lease are fulfilled and you acquire ownership.

If you're approved for an installment loan product, Snap's bank partner will pay the merchant directly for your merchandise, and you will make payments to that partner, with Snap acting as a servicer.

If you are approved for a retail installment contract, the merchant will be extending you credit, although in most cases the installment contract will be purchased by a Snap affiliate and serviced by Snap.

Yes. Having a valid smartphone number is a requirement to apply with Snap. You can apply for Snap Leasing through the Snap Finance mobile app (IOS or Android). You can apply for Snap Leasing and Snap Loan at snapfinance.com, either on a smartphone or a computer.  It’s more convenient to use a smartphone to complete your in-store transaction with your one-time-use Snap Finance virtual card.

You can find important account information when you log in to the Snap Leasing mobile app (IOS or Android), the Snap Loan mobile app, or your Customer Portal. This includes:  

• Lease or loan agreement details 
• Payment history 
• Upcoming payments 
• Remaining balance 
• And more 

The Customer Portal is an online resource where you can view your current and paid-off Snap Finance accounts. Access your account here: customer.snapfinance.com/#/login

You can easily make extra payments, review your terms, and manage your account 24/7 in the Snap Leasing mobile app (IOS or Android), the Snap Loan mobile app, or in your Customer Portal: 

• Go to customer.snapfinance.com/#/login .
• Click Create an Account.
• Enter the email address you used when applying with Snap and click Continue.
• You will receive an email inviting you to create a password.
• Once you’ve created a password, sign into your account.

If you have already created an account, but forgot your username or password, follow three simple steps to reset: 

• Go to customer.snapfinance.com/#/login. 
• Click Forgot your username or password?  
• Enter your email address and click Continue. 

We’ll send you an email with your username and a secure link to reset your password

Yes, you can add an authorized individual to your account. This will give them full access to make payments or changes to the account without needing to consult you. If you would like to add an authorized individual to your account, please call 877-557-3769 to speak with a member of our Customer Care team.

With lease-to-own financing, Snap purchases the merchandise and leases it back to you for 12-18 months. Once you’ve fulfilled the terms of your lease, you obtain ownership of the merchandise. You may also obtain ownership earlier an early buyout option. 

Yes, existing Snap customers can have more than one lease. Conditions apply. Contact Customer Care for more information.

Ways to contact Snap:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

Snap approval amounts range from $300 to $5,000 toward the cash price of the lease.

Our lease-to-own financing works with partners that sell furniture, mattresses, tires and wheels, appliances, electronics, and other durable goods. Please visit our Store Locator at snapfinance.com to find a Snap Partner near you.

The 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.

There may be a processing fee or initial payment due the day you complete your transaction. This amount varies. Check your lease agreement for specifics.

No, Snap does not charge interest on a lease-to-own agreement. However, there is a cost of lease in addition to the purchase price. This cost varies by customer and residential state, and it will be detailed in your agreement and disclosures. Be sure to read and understand your disclosures before you sign, and understand the important dates, amounts, and terms unique to your agreement.

After you choose your merchandise and sign your lease-to-own agreement, Snap acquires the merchandise from the retailer. You're allowed to use it while making lease payments. Once you've fulfilled the terms of your agreement with Snap Finance, you will obtain full ownership.

Most accounts are set up on automatic payments corresponding to your paydays. Your lease is automatically set for 12-18 months, or you can choose an early ownership option to save on overall lease costs.

Maximum-Term Plan (default)

Lowest payments

You make regular payments until the end of the 12-18 month maximum term.

This is the default program unless you exercise an early ownership option.

Early ownership options (lower costs)

ave significantly on your 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. You must schedule an early ownership option.

You can end your lease agreement by returning the merchandise to Snap Finance in good condition. This can happen at any time without penalty to you. This is not the same as returning or exchanging an item with your merchant. To begin the process to cancel your lease and surrender your merchandise to Snap Finance, you must contact the Customer Care team at 877-557-3769 or go to the Customer Portal: customer.snapfinance.com.

Yes, existing Snap Finance customers can have more than one lease. Conditions apply. Contact Customer Care for more information.

Ways to contact Snap:

Phone: 877-557-3769

Email: customer@snapfinance.com

Fax: 866-332-6617

Mailing address: P.O. Box 26561, Salt Lake City, UT 84126

Your Snap Finance one-time-use virtual card is designed to be used at retailers that specialize in furniture, mattresses, tires and wheels, appliances, electronics, and jewelry. Use the Snap Finance Store Locator to find a merchant near you. Lease-to-own financing is not designed for use at big-box stores, general department stores, restaurants, gas stations, clothing stores, and similar types of retailers that do not focus on durable consumer goods.

With Snap Loan, a bank partner offers unsecured installment loans or a merchant partner may offer retail installment contracts to help you make payments over time.

Retailers will let you know which type of Snap Loan they offer. You make payments to Snap as the servicer of the loan.

An installment loan is a type of loan in which the principal and accrued interest are repaid through a set number of scheduled payments. A retail installment contract (RIC) is a transaction between you and the seller of a product or service in which you agree to pay for the product or service in installments over time, paying both the retail cost of the product or service and a finance charge. Unlike a lease, a loan accrues interest on outstanding principal instead of a fixed cost of lease.

You can only have one active Snap-branded loan at the same time.

No. If you're approved for an installment loan or a retail installment contract, Snap will act as the servicer on the loan.

If you’re approved for our lease-to-own product, Snap buys the merchandise and leases it to you. Once you’ve fulfilled the terms of your agreement and made all your payments, the merchandise is yours.

Approval amounts range from $300 - $5,000. Your approval amount depends on our underwriting criteria and the information you provide in your application.

Snap Finance and our bank partner use data from secondary credit reporting agencies, including Clarity and DataX. Applying for a Snap-branded product will affect your credit score with those agencies but is unlikely to affect your FICO® score.

Read our blog to learn more about how credit scores work.

Snap provides financing to those who may not qualify for traditional financing or credit.

You can choose from thousands of retailers, fill out an application as you shop, and use Snap to pay. Depending on what you need and where you’re shopping, you may be offered a lease-to-own, installment loan, or retail installment contract through one of Snap’s affiliates or financing partners.

After you take home your merchandise, you simply repay Snap on the payment schedule you set up when you applied. Need more information? We’ve got lots of details here: snapfinance.com/how-it-works .

Most accounts are set up on automatic payments corresponding to your paydays for the length of your loan (up to 18 months).  Or you can choose to save significantly on finance charges by making all regular payments on time and paying the required amount early, including any early payoff options.

Here’s how it works. Save on finance charges by making each scheduled payment on time and paying the full principal plus any processing fee, if applicable, within the promotional window. If you pay off the balance after the promotional window but before the final maturity date, you’ll still reduce your total finance charges. You can pay off early in the customer portal or by contacting Customer Care at 1-877-557-3769. Early payoffs include a processing fee, if applicable, above the merchandise price. For details and limitations, including relating to the length of your promotional window, refer to your Snap Loan agreement.