Need it now? No credit?¹
Pay later with Snap.
Apply now to get what you need with Snap’s lease-to-own financing.
How Snap works
Find a store
Finding a store is the easy first step. Shop thousands of stores, online or near you.
Apply
Apply in minutes, online or in-store, for up to $5,000 in lease-to-own financing.²
Start shopping
Use your approved amount to shop thousands of stores, online or near you, today.
All 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
Why you’ll love Snap
No credit needed¹
Less-than-perfect credit? Snap can help you get what you need.
So quick, so easy
Apply with no impact to your FICO® score.¹ Get a decision in seconds.
Multiple ownership options
Make payment for up to 18 months or choose an early ownership option to save on overall lease costs.³
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.
¹Not 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.
²Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.
³ The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is the most expensive. To exercise the Initial Promotional Period option, consumers must make all scheduled payments on time and either (1) ensure the required amount is paid within the applicable timeframe through the customer portal, or (2) contact Customer Care at 1-877-557-3769 to schedule payments to ensure the required amount is paid within the applicable timeframe. The cost and duration of the Initial Promotional Period may vary based on merchant location and product offering. Additional charges above the merchandise price may apply. Consumers may still reduce the overall cost by exercising available early payoff or buyout options after the Initial Promotional Period, where applicable. See your agreement for details and limitations.