Snap Finance Logo
How It WorksFind a StoreFor BusinessHelp
Snap Finance Logo
Snap Finance Logo
  • How It Works

  • Find a Store

  • For Business

  • Help
  • - Customers
    - Merchant Partners

Shop now. Pay later.

Snap takes a fresh approach to creditworthiness. We look beyond your credit score, considering you for opportunities others may not.
Start Now
Start Now

Simple and stress-free with Snap

Pay over time

Our flexible ownership options are based on your paydays for an easy, stress-free experience.

Instant shopping power

Get what you need today and pay over time for furniture, mattresses, wheels, tires, appliances, electronics, and jewelry.

Thousands of choices

Choose from +150,000 shops, in-store and online, to get what you want today with Snap.

Easy to apply

Our application process is quick, and you get a decision in seconds.

What could your payments look like?

Our payments plans are flexible to fit your paydays and lifestyle, with early buyout options to reduce overall cost

Select Transaction Amount

$1,250.00

$150

$1,250

$2,500

$3,750

$5,000

Adjust the slider to estimate your payments.

How often do you get paid?

For illustrative purposes only.

This is an example of a lease-to-own transaction, based on 36 payments twice a month for a total amount of $2,487.50 with a cost of lease of $2,686.50. Your total approval amount and cost of lease may vary.

Payment plan
$74.35
Twice a Month
Estimated # of payments

36

Total payments

$2,487.50

Apply Now

So quick, so easy

You’ll love Snap’s clear and simple terms and convenient payment options. Find a store to get started.
Find a Store

Snap has your back

• Apply in minutes, get a decision in seconds
• Approvals range from $300 to $5,000
• No impact to your FICO® score
Learn More

Get more time to pay

Snap offers convenient, hassle-free plans that work with your paydays and budget, including options to lower your overall costs.
Learn More

Customer-focused. Honest reviews.

GG

Gino G.

Snap helped out in a time of need.

Their call center is very professional and attentive. They gave me all options available and were able to satisfy all my wants. This is definitely an option for people who have a hard time saving money for things they need or want. Snap is a great option...

Read More on TrustPilot
CK

Christopher K.

Super helpful

Super helpful! Excellent service. They really make it stress free and easy to get the right mattress. Highly recommended.

Read More on TrustPilot
EA

Erikson A

The staff that treated me was excellent

Well to start with, the staff that treated me was excellent, friendly, good treatment, and also good payment options with the appliances. I loved it. In the future, I will surely look for them again and I recommend it.

Read More on TrustPilot
SN

Stephanie N

Everything was easy and fast

Everything was easy. The guy who helped me was nice and informative!! Definitely recommend.

Read More on TrustPilot

Rated 'Excellent' on

Find stores that offer Snap

Select your State

Snap Finance goes where you go

Snap Finance Logo

For Customers

  • How It Works
  • Find a Store
  • Blog
  • Customer Help

For Business

  • Snap for Your Business
  • For Developers
  • Business Blog
  • Business Help
  • eBook & Research Library

Browse Stores

  • Wheel and Tire Financing
  • Furniture Financing
  • Appliance Financing
  • Mattress Financing
  • Computer Financing
  • Car Audio Financing
  • Jewelry Financing

About Snap

  • About Us
  • Life At Snap
  • Careers
  • Corporate Social Responsibility
  • Newsroom
PrivacyWebsite Terms of UseProductsAccessibilityApplication Terms & Conditions© 2025 Snap Finance®