How Snap works
Snap and our bank partner look beyond your credit score, considering you for opportunities others may not.1
Use our Store Locator to choose from 150,000+ shops, in-store or online, to get what you need today.
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Answers to your questions
How can I finance furniture with bad credit?
If you’re worried about being denied when you apply for traditional financing, you may want to check out Snap-branded loans or lease-to-own financing solutions. Some furniture retailers offer loans or lease-to-own financing in-store, but you can also apply online and quickly find out if you’re approved before you start shopping.
With Snap, all credit types are welcome to apply. While no credit history is required, not all applicants are approved. Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
How to get approved for furniture financing?
You need to apply for furniture financing before you can get approved. Improving your credit score will likely improve your approval chances, although that can take some time. However, having a steady income, an active checking account, and few to no missed payments is a solid place to start.
Do you need a credit check for furniture financing with Snap Finance?
Snap Finance welcomes applicants of all credit types to apply, and no credit history is required. Not all applicants are approved. Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
Is Snap Finance a buy now, pay later option for furniture?
Snap Finance offers lease-to-own financing and loan options that let you shop for furniture and pay over time. Approval and terms vary by applicant and participating retailer.
What could your lease-to-own payments look like?
Snap-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is based on our standard 12-18 month plan. Or, you can choose Snap’s 100-Day Option, which helps you save significantly on lease costs when you make all regular payments on time and pay the required amount in the first 100 days.2 After 100 days, you can also save on lease costs if you buy out your lease early.
What could your lease-to-own payments look like?
Snap-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is based on our standard 12-18 month plan. Or, you can choose Snap’s 100-Day Option, which helps you save significantly on lease costs when you make all regular payments on time and pay the required amount in the first 100 days.2 After 100 days, you can also save on lease costs if you buy out your lease early.
Disclosures
Snap-branded product offering includes retail installment contracts, bank installment loans, and lease-to-own financing. Talk with your local Snap merchant for more details on which product qualifies at your store location. For more detailed information, please visit snapfinance.com/legal/products.
1 Not 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.
2 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 the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option may include a cost of lease above the merchandise price.