Life happens.
We can help.

A man in a brown sweater is smiling and talking on a smartphone while holding a tablet. Behind him, a modern teal couch and images of a couple with different technology icons are visible against a blue and gray background.

How Snap works

You’re more than your credit score. That’s why we think outside the box to determine your creditworthiness.

With Snap, you don’t have to wait to get what you need. Depending on where you live, what you need, and where you shop, you may be offered lease-to-own financing or an installment loan option.

Get Started

All 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

Snap makes it easy to apply

A blue and black illustration depicting two storefronts connected by a line. On the left, a physical store icon labeled "In-store" with a location pin. On the right, an online store icon labeled "Online" featuring a shopping cart symbol.

Ready to shop?

Shop the stores you love, whether they’re online or around the corner. Our Store Locator can help you find stores that offer Snap Finance.

Find a Store

A stylized map with a prominent blue location pin icon. The map features simple, colorful shapes in blue, green, and yellow, arranged to represent streets or regions. The background is black.

Get more time to pay

Get what you need when you need it – without paying for it all upfront. Depending on where you live you may be required to make an initial payment at the time of transaction.  

Snap offers convenient, hassle-free plans, including options to lower your overall financing costs.

With lease-to-own financing, Snap purchases the merchandise upfront so they own it. You take it home and lease it from Snap until you make all your payments. Then it's yours. It's that simple.

Snap Loan is an unsecured installment loan originated by Snap’s bank partner and serviced by Snap Finance. Your approved amount can be used for products and services, and you make payments over time through Snap Finance.

Some merchants may also offer a retail installment contract (RIC), which is an agreement originated by your merchant and serviced by Snap Finance. Your approved amount can be used for products and services, and you make payments over time through Snap Finance.

Our app makes life easier

View transactions, manage payments, access your lease details, and more.

A woman in a teal long-sleeve shirt stands in a furniture store, smiling while using her smartphone. A sign next to her displays "Approvals up to $5,000" and promotes the Snap Finance service. The background features various home furnishings in a well-lit space.

We do it differently

We give our time and resources to bring positive, lasting change to underserved communities.   

Through Snap Cares, we’re making a lasting impact for those who need it most.

• 60% of Snap team members volunteered in 2023, totaling 2,460+ hours

• $1 million+ in charitable giving since 2021

A large group of people wearing matching white t-shirts and caps are gathered in front of a partially constructed wooden building. They are smiling, and many are holding up peace signs with their hands. The setting appears to be outdoors in a wooded area.

Answers to your questions

How do I apply for Snap Finance?

Our application process is simple, and you get a notification of a decision in seconds. You can:

Apply online at snapfinance.com or through the Snap Finance Mobile App (IOS or Android).
Apply in-store at a Snap Partner through our text-to-apply feature on your smartphone or with the help of a sales representative. We have thousands of stores that offer Snap.
Apply and check out online with our select E-commerce Snap Partners.

Where can I use Snap Finance?

Snap Finance can be used at thousands of participating Snap Partners. Use our Store Locator to find a participating retailer near you or online.

What types of things can I lease-to-own with Snap?

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.

What are my payment options?

Most accounts are set up on easy, automatic payments corresponding to your paydays. Our options include:

Full-Term Plan (default)
Best choice for affordable payments
You make regular payments until the end of the 12-18 month maximum term. This is the standard program unless you exercise an early payment option.
100-Day Option
Best option for lowest total cost
You make payments equal to any applicable processing fee, the cash price, plus tax, and any associated minimum loan or lease cost associated fees, within the first 100 days.
Early Payoff Option
Best option for flexibility
You pay the remainder of your agreement anytime after 101 days and receive a discount on your remaining payments.

To choose an option besides the full-term, default option, please contact our Customer Care team.

Get Started

Life happens.
We can help.

Get Started

How Snap works

You’re more than your credit score. That’s why we think outside the box to determine your creditworthiness.

With Snap, you don’t have to wait to get what you need. Depending on where you live, what you need, and where you shop, you may be offered lease-to-own financing or an installment loan option.

Get Started