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Get industry && Furniture Now.Pay Later.

Good credit? Poor credit? No credit?
Snap Finance has got you covered with lease-to-own financing made simple.

Where do you want to shop for furniture?

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Apply now. Get an answer in seconds.

We look beyond your credit score to give you the best chance of approval.

Shop today.

Use our Store Locator to choose from 150,000+ shops, in-store or online, to get what you need today.

Pay over time.

Our flexible payment options are based on your paydays for an easy, stress-free experience with no hidden costs.

Have more questions?

If you have bad credit, you may not qualify for a traditional loan or in-store financing that mainly considers your credit score. However, many furniture stores offer options such as no credit needed lease-to-own financing that you may qualify for. You can also quickly and easily apply for lease-to-own financing online.

You need to apply for furniture financing before you can get approved, but the best way to increase your approval chances is to get your credit score up, 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.

A mindful approach to lease-to-own financing

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