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Say hello to more customers

Turn shoppers into buyers and grow your business with Snap Finance. We help millions of customers with less-than-perfect credit get what they need.

Are you a current Snap Merchant looking for support? Call 877-789-4384
Have additional questions? Call 855-752-0853

How Snap works for your business

Quick onboarding

Outstanding bilingual support and seamless integration make it easy to get started with Snap.

Easy applications

Shoppers can apply in minutes, online or in-store, and get a decision in seconds.

Always-on marketing

Snap’s network of preapproved shoppers and our Store Locator mean more business for you.

Tap in to an untapped market

Offering financing solutions to customers with less than perfect credit can help you expand your customer base and increase sales.

Here’s what our retail partners say


say customers get more with Snap


report offering Snap has increased sales


say customers are more likely to make a purchase with Snap

$8 Billion

in partner sales

5+ Million

customers served

$13.8 Billion

in EDGE leads sent to our partners

Among those with FICO® scores below 670


switch to a different store for more financing options


spend more because financing is available

More time to pay means more business for you

Increased revenue

Reach more customers and close more sales with our strong
approval rates.

Supercharged sales

Increase average order value – customers using Snap spend 59% more at checkout.

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.

How Snap can help you and your customers

Snap’s loan options or lease-to-own financing may be right for your business, depending on where you’re located and what you offer. No matter the option, all credit types are welcome.

Snap’s installment loans and retail installment contracts help customers pay over time for purchases and services – with no hassles for you.

With lease-to-own financing, Snap buys the merchandise from you and leases it to your customer. After the customer makes all their payments, they own it. It’s that simple.

Why 5 million+ customers love Snap

Shopping power

Shoppers can get more of what they need and want with approvals from $300 to $5,000.


Easy applications

Customers apply in minutes and get a decision in seconds.


Multiple solutions

Customers can get what they need now and pay later with lease-to-own financing, an installment loan, or a retail installment contract.


Power your business with Snap

Our extensive merchant network helps consumers get the products and services they need now.


Making a difference for businesses of every size

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“I feel at Snap, they really back up their customer and support us. If we have any questions, they’re ready to answer 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.”

Aroldo S.
Deviate Autosport | Houston, TX
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"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."

Shawn A.
Big O Tires | Thornydale, AZ
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“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.’”

Mateo B.
A&R Furniture | Online Merchant

Reach your customers where they shop


Snap’s point-of-purchase marketing materials help you close the sale. Customers can apply from their smartphone using text-to-apply or QR code, or apply from our app. Or guide them through an application on Snap’s easy-to-use Merchant Portal.


Snap easily integrates with your e-commerce platform to streamline online sales and financing. To reduce cart abandonment, online shoppers get a decision in seconds and can use their approved amount immediately – and never leave your site.

What our customers are saying


Gino G.

Snap helped out in a time of need.

Their call center is very professional and attentive. They gave me all options available and were able to satisfy all my wants. This is definitely an option for people who have a hard time saving money for things they need or want. Snap is a great option...


Christopher K.

Super helpful

Super helpful! Excellent service. They really make it stress free and easy to get the right mattress. Highly recommended.


Erikson A

The staff that treated me was excellent

Well to start with, the staff that treated me was excellent, friendly, good treatment, and also good payment options with the appliances. I loved it. In the future, I will surely look for them again and I recommend it.


Stephanie N

Everything was easy and fast

Everything was easy. The guy who helped me was nice and informative!! Definitely recommend.