No credit?1 No problem. Pay later with Snap.
Snap takes a fresh approach to creditworthiness, considering you for opportunities others may not.
Won’t affect your FICO® score to apply1
Lease-to-own financing, simplified
Instant shopping power
Get furniture, tires, electronics, appliances, mattresses and more today with lease-to-own financing.
Shop the stores you love
Shop in-store or online at thousands of stores. Find a store online or ask in-store about using Snap.
Easy application
Apply for up to $5,000 in lease-to-own financing, get a decision in seconds.4
What you need to apply
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
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
What are you shopping for?
Over 100K shops. Shop 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.
²The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is the most expensive. To exercise an early ownership, consumers must make regular payments on time and schedule additional payments via the customer portal or by contacting Customer Care at 1-877-557-3769.
3To exercise the Initial Promotional Period option, consumers must make all scheduled payments on time and either (1) ensure the required amount is paid within the applicable timeframe through the customer portal, or (2) contact Customer Care at 1-877-557-3769 to schedule payments to ensure the required amount is paid within the applicable timeframe. The cost and duration of the Initial Promotional Period may vary based on merchant location and product offering. Additional charges above the merchandise price may apply. Consumers may still reduce the overall cost by exercising available early payoff or buyout options after the Initial Promotional Period, where applicable. See your agreement for details and limitations.
⁴Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.