36% of consumers rely on financing to make major purchases1
Are you ready to help? Increase sales and drive traffic with no-credit-needed lease-to-own financing or loan options.2
Is Snap Finance a fit for your business? Partners must meet certain guidelines:
• Meet approved retail categories
• Have a physical retail storefront or customer-facing location
• Sell products in-store or through a connected e-commerce experience
• Operate in the U.S.
Already working with Snap Finance?
If you’ve already submitted your business information or spoken with our sales team, please do not submit another application. Instead, contact our Merchant Support team: 888-648-1595
Snap works with specific industries and retailers
Businesses outside of the following categories are not currently eligible to partner with Snap Finance.
Have questions about partnering with Snap Finance?
Call and speak to a Snap representative today at 888-648-1595
How Snap works for your business
Increased revenue
Boost your sales and average order value with strong approval rates.4
Quick onboarding
Getting started is easy with Snap's bilingual support and access to support 7 days a week by phone, email, or chat.
Fast funding
You'll get paid within two business days of merchandise delivery or completion of services.
Shopping power
Customers apply in minutes for approvals up to $5,000 and get a decision in seconds.5
Results-driven marketing
Drive sales with our network of preapproved shoppers, Store Locator, and attention-grabbing point-of-sale marketing materials.
Easy applications and quick decisions
Customers apply online or in-store, by text or QR code, with no impact to their FICO® credit score.6
Experience the difference Snap Finance can make for your business4
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.
Reach more customers with point-of-sale financing
Snap-branded solutions help you close more sales and grow your business.
• Lease-to-own financing
• Installment loans
• Retail installment contracts
Disclosures
Snap Finance, its affiliates, and partners offer consumers a range of solutions, which may include lease-to-own financing, retail installment contracts, installment loans, and credit cards. Product availability may vary by state, merchant, industry, and qualification criteria. Certain products are issued by independent merchants or bank partners and serviced by Snap Finance LLC. For more information, visit https://snapfinance.com/legal/products
1 Proprietary research, “Closing the Credit Gap: Major Purchase Study.” Snap Finance, September 2026.
2 Not all applicants are approved. Approvals subject to underwriting qualification criteria.
3 Approval amounts vary by product type and range from $300 to $5,000, subject to underwriting qualification criteria.
4 Proprietary research, “Snap Merchant Pulse Survey.” October, 2023.
5 Proprietary research, “Understanding and Meeting the Needs of Consumers Facing Credit Challenges.” Snap Finance, October 2024.