Snap Finance Logo

Financing: Products and Licenses

Working with its affiliates, bank partners and others, Snap Finance LLC markets and supports a number of different financing options. This website relates primarily to the lease-to-own financing option offered by Snap RTO LLC. Information regarding certain other products is provided below for information and disclosure purposes.


Snap RTO LLC partners with merchants to offer lease-to-own financing options to customers. In a lease-to-own transaction, Snap RTO acquires merchandise from a retail store or website and leases it to the customer. The customer has the option of acquiring the merchandise at the end of the maximum lease period or to save money by exercising certain early purchase options. The customer also has the right to terminate the lease and return the merchandise to Snap. The agreements offered through this website are primarily lease-to-own agreements. Snap lease-to-own agreements are not available to residents of Minnesota, New Jersey, and Wisconsin.

Additional Products

Customers cannot apply for the following financing products on our homepage but are offered through various merchant partners. Options available depend on your purchase amount, may vary by merchant, and may not be available in all states. Certain information is provided below for information and disclosure purposes.

Snap Loan® Branded Retail Installment Contracts

A retail installment contract is a financing solution offered by a retail seller of goods and/or services which allows you to pay the purchase price over time, but which includes a time-value cost similar to interest. From a customer perspective, a retail installment contract is very similar to an installment loan. Snap partners with merchants to facilitate the offering of retail installment contracts at merchant locations in certain states. In substantially all cases, these contracts are purchased by Snap Second Look LLC.

Snap Loan® branded products are not available to residents of the following states and territories: Alabama, Arkansas, District of Columbia, Florida, Georgia, Hawaii, Indiana, Iowa, Louisiana, Maryland, Maine, Massachusetts, Michigan, Minnesota, Missouri, Mississippi, Montana, Nebraska, New Jersey, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Puerto Rico, and the US Virgin Islands.

Nationwide Multistate Licensing System (“NMLS”) Identification:

Snap Finance LLC – NMLS ID 1769138
Snap Direct LLC – NMLS ID 2327497

Snap Finance LLC

Collection Agency License – 5647

Collection Agency License – 1027500

Collection Agency License – CCA-10162

Debt Collector Notification

Consumer Credit Notification – NOT.0026619

Collection Agency License – 432167541

Collection Agency License – 1769138

Collection Agency License – 40618804

New Hampshire
Small Loan Lender License – 22704-SM

North Dakota
Collection Agency License – CA103401
Money Broker License – MB103402

Credit Services Loan Broker License – 69140

South Dakota
Money Lender License – MYL.3371

Regulated Lender License – 161273

Consumer Credit Notification

Collection Agency License – UBI 604 424 126

Consumer Act Registration

Snap Direct LLC

Installment Lender License – 237497

Consumer Discount Company License – 99915


UCC Rent-To-Own Notification – RTO70000040

Rental Agreement Act Registration – 23577

Debt Collection Registration – 44691982Q

License of Authority – RTO07906

South Carolina
Consumer Grantor (Rent-To-Own) – ROC-113221

RTO License – RTO-158