Close the sale with Snap.
Increase sales and drive traffic with Snap’s no credit needed lease-to-own financing.¹ Snap Leasing™ is available for industry-specific retailers.
Snap works with specific industries and retailers
If you represent a different industry, Snap's lease-to-own financing is unfortunately not available to your customers. Check back with us as this may change.
How Snap works for your business
Always-on marketing
Snap's network of preapproved shoppers means more business driven straight to your door.
Easy application
Shoppers can apply in minutes, online or in-store, and get a decision in seconds.
Outstanding support
Benefit from a dedicated Client Success Manager and access every day of the week to our Merchant Support team.
Here’s what our retail partners say2
75
%
say partnering with Snap increased their sales
76
%
report customers spend more with Snap
83
%
say they’re more likely to close the sale with Snap
More time to pay means more business for you
Increased revenue
Help more customers and close more sales with our strong approval rates.3
Supercharged sales
71% of lease-to-own users spent more because financing was available.4
Fast funding
Enjoy expedited payments, typically within two business days of merchandise delivery.
Expanded reach
Target new and repeat business and generate revenue with our preapproved leads.
Tap in to an untapped market
$8B+
in funded partner sales
5M+
customers served by Snap
50K+
Snap partners
Making a difference for businesses of every size
"Snap is a quick, easy, within two-day process and the money's in our bank. We get approvals within minutes. Snap has been a good partner with us. We're getting a wider customer base for one, and whenever you do that you're getting more sales."
Aroldo S.
Deviate Autosport | Houston, TX
"I feel at Snap, they really back up their customer and support us. If we have any questions, theyre ready to anser them. I can text them or call them. They keep me in the loop with all the new features they have. I’m really happy with them."
Mateo B.
A&R Furniture | Online Merchant
"We’ve been working with Snap for eight years. Snap helps us close more deals. The customer service is great. I love to work with Snap and look forward to working with them for many more years. If I only had one word to describe Snap, it would be ‘great.’”
Shawn A.
Big O Tires | Thornydale, AZ
"Snap is a quick, easy, within two-day process and the money's in our bank. We get approvals within minutes. Snap has been a good partner with us. We're getting a wider customer base for one, and whenever you do that you're getting more sales."
Discover why our customers and partners trust Snap.
Why customers love Snap
Shopping power
Shoppers can get more of what they need and want with approvals up to $5,000 in lease-to-own financing.5
Multiple ownership plans
The standard lease plan is 12-18 months,6 or customers can choose early ownership options that lower overall lease costs.7
Full transparency
Our fees are communicated in the customer’s agreement and we don’t charge cancellation or late fees.
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.
1 Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
2 Proprietary research, “Snap Merchant Pulse Survey.” October, 2023.
3 Not all applicants are approved. Approvals subject to underwriting qualification criteria.
4 Proprietary research, “Unlock the Benefits of Tertiary Financing.” Conducted through Accelerant Research’s Agora panel with 1,300 U.S. consumers. Snap Finance, October 2024.
5 Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.
6 The standard plan consists of renewable lease terms. To exercise an early ownership, consumers must make regular payments on time and schedule additional payments via the customer portal or by contacting Customer Care at 1-877-557-3769.
7 Standard lease plan is 12-18 months. To exercise the 100-Day Option, consumers must ensure the full 100-day amount is paid within 100 days by contacting Customer Care at 1-877-557-3769 or by scheduling payments in the customer portal. The 100-Day Option includes a cost of lease above the merchandise price.