Furniture lease-to-own financing
Shop now, pay later with furniture lease-to-own financing from Snap Finance. No credit needed.1
Get the furniture brands you love – at the furniture stores you shop – with Snap. Lease-to-own is furniture financing that works for you.
Won’t affect your FICO® score to apply1
Lease-to-own furniture financing, simplified
Pay for furniture over time
Use Snap’s 12-18 month lease plan (the default plan) or choose an early ownership option to reduce overall furniture costs.2
Instant shopping power
Get furniture, tires, electronics, appliances, mattresses and more today with lease-to-own financing.
Shop the furniture stores you love
Shop in-store or online at thousands of stores. Find a store online or ask in-store about using Snap.
Easy application
Apply for up to $5,000 in lease-to-own furniture financing, get a decision in seconds.3
What you need to apply
Be old enough to enter into a legal contract
Steady monthly income of at least $750
Active checking account
Valid email address and smartphone number
Trusted by more than 5 million customers
Worry-free
No impact to your FICO score when you apply.1
Excellent rating
Based on verified reviews
What are you shopping for?
Over 100K shops. Shop by category.
Disclosures
The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.
Some restrictions may apply on leasable auto parts, electronics, or sporting goods. Please check with merchants for details.
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.
3 Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.