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Life happens.
We can help.

Join the millions of people who choose to shop now, pay later with Snap Finance. Perfect credit not required.

How Snap works

You’re more than your credit score. That’s why we think outside the box to determine your creditworthiness.

With Snap, you don’t have to wait to get
what you need. Depending on where you live, what you need, and where you shop, you may be offered lease-to-own financing or an installment loan option.

All you need to apply

Be old enough to enter into a legal contract

Steady monthly income of at least $750 or $1,000, depending on product

Active checking account

Valid email address and smartphone number

Snap makes it easy to apply

Snap has your back with approval amounts that range from $300 - $5,000. Complete an in-store application at participating locations or apply online now with no impact to your FICO® score.

Ready to shop?

Shop the stores you love, whether they’re online or around the corner. Our Store Locator can help you find stores that offer Snap Finance.

Get more time to pay

Get what you need when you need it – without paying for it all upfront. Depending on where you live you may be required to make an initial payment at the time of transaction.

Convenient, hassle-free payments are based on your paydays, with options to complete your agreement early and save.

Lease-to-own payment options

• 100-Day Option (lowest overall cost)

• Early purchase option (most flexible payments)

• 12-18 month maximum-term plan (lowest payments)

Retail installment contract

• 100-Day Option (lowest cost overall)

• Early payoff option (most flexible payments)

• 12 to 18-Month Loan Plan (lowest payments)

Our app makes life easier

View transactions, manage payments, access your lease details, and more.

We do it differently

We give our time and resources to bring positive, lasting change to underserved communities. 

Through Snap Cares, we’re making a lasting impact for those who need it most.

• 60% of Snap team members volunteered in 2023, totaling 2,460+ hours 
• $1 million+ in charitable giving since 2021

Answers to your questions

Our application process is simple, and you get a notification of a decision in seconds. You can:

  • Apply online at or through the Snap Finance Mobile App (IOS or Android).
  • Apply in-store at a Snap Partner through our text-to-apply feature on your smartphone or with the help of a sales representative. We have thousands of stores that offer Snap.
  • Apply and check out online with our select E-commerce Snap Partners.

Snap Finance can be used at thousands of participating Snap Partners. Use our Store Locator to find a participating retailer near you or online.

Our lease-to-own financing works with partners that sell furniture, mattresses, tires and wheels, appliances, electronics, and other durable goods. Please visit our Store Locator at to find a Snap Partner near you.

Most accounts are set up on easy, automatic payments corresponding to your paydays. Our options include: 

  • Full-Term Plan (default) 
    Best choice for affordable payments 
    You make regular payments until the end of the 12-18 month maximum term. This is the standard program unless you exercise an early payment option. 
  • 100-Day Option 
    Best option for lowest total cost 
    You make payments equal to any applicable processing fee, the cash price, plus tax, and any associated minimum loan or lease cost associated fees, within the first 100 days. 
  • Early Payoff Option
    Best option for flexibility 
    You pay the remainder of your agreement anytime after 101 days and receive a discount on your remaining payments.

To choose an option besides the full-term, default option, please contact our Customer Care team.