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Products and Licenses

Working with its affiliates, bank partners and others, Snap Finance LLC markets and supports a number of different financing options. This website relates primarily to the lease-to-own financing option offered by Snap RTO LLC.

Lease-to-Own

Snap RTO LLC (“Snap RTO”) partners with merchants to offer lease-to-own financing options. In a lease-to-own transaction, Snap RTO acquires merchandise from a retail store or website and leases it to the customer. The customer has the option of acquiring the merchandise at the end of the lease period or exercising certain early purchase options to save on total costs. The customer also has the right to terminate the lease and return the merchandise to Snap. Snap lease-to-own agreements are not available to residents of Minnesota, New Jersey, and Wisconsin.

Additional Products

Available options depend on your purchase amount, may vary by merchant, and may not be available in all states.

Snap Loan® Branded Retail Installment Contracts–

A retail installment contract is a financing solution offered by a retail seller of goods and/or services which allows you to pay the purchase price over time, but which includes a time-value cost similar to interest. From a customer perspective, a retail installment contract is similar to an installment loan. Snap partners with merchants to facilitate the offering of retail installment contracts at merchant locations in certain states. In substantially all cases, these contracts are purchased by Snap Second Look LLC.

Snap Loan® branded products are not available to residents of the following states and territories: Colorado, Connecticut*, District of Columbia, Georgia, Hawaii, Illinois*, Iowa, Maine, Maryland, Massachusetts, New York, North Carolina, South Dakota, Vermont, West Virginia, US Virgin Islands, Puerto Rico

*Snap Loan® may be offered by select merchant(s) in CT and IL, but it is not widely available.

Nationwide Multistate Licensing System (“NMLS”) Identification:

Snap Finance LLC – NMLS ID 1769138

Snap Finance LLC

Arkansas

Collection Agency License – 5647

Arizona

Collection Agency License – 1027500

California Debt Collector License - 11463-99

Iowa

Debt Collector Notification

Kansas

Consumer Credit Notification – NOT.0026619

Louisiana

Collection Agency License – 432167541

Maryland

Collection Agency License – 1769138

Minnesota

Collection Agency License – 40618804

New Hampshire

Small Loan Lender License – 22704-SM

North Dakota

Collection Agency License – CA103401

Money Broker License – MB103402

Pennsylvania

Credit Services Loan Broker License – 69140

South Dakota

Money Lender License – MYL.3371

Texas

Regulated Lender License – 161273

Utah

Consumer Credit Notification

Washington

Collection Agency License – UBI 604 424 126

Wisconsin

Consumer Act Registration

Snap RTO LLC

Colorado

UCC Rent-To-Own Notification – RTO70000040

Indiana

Rental Agreement Act Registration – 23577

Louisiana

Debt Collection Registration – 44691982Q

Oklahoma

Rental Purchase Lessor – RTO07906

South Carolina

Consumer Grantor (Rent-To-Own) – ROC-113221