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Shop now. Pay later.

Apply in minutes, get a decision in seconds for up to $5,000 in lease-to-own financing from Snap.
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Real people. Real life.

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"It was very, very convenient to my pocket. I wouldn't let go of this opportunity to give that special touch to my apartment."

Ricardo U.
Los Angeles, CA
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"Using Snap today was so easy. I was able to do it on my phone and it took about two minutes."

Kristi H.
Kimberly, AL
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"We slept on an air mattress and it was very uncomfortable. Snap saved my life!"

Franklin & Yatsiva R.
Phoenix, AZ

Here’s how it works


Apply online, in-store or on your smartphone


Get a response in seconds


Take home what you need today and pay over time

Have more questions?

Snap Finance LLC is a digital finance company that specializes in assisting its affiliates and financing partners in providing consumer lease-to-own and loan financing options. Founded in 2012, Snap provides these services via e-commerce, brick-and-mortar merchants, and directly to consumers through Snap is a technology and data-driven company, dedicated to delivering simple and easy access to our financial products.

Our application process is simple, and you get a notification of approval in seconds. You can

  • Apply online at
  • Apply in-store at a Snap Partner through our text-to-apply feature on your smartphone or with the help of a sales representative. We have thousands of stores that offer Snap.
  • Apply and check out online with our select E-commerce Snap Partners.

Snap approves amounts from $250 to $5,000.

When you lease-to-own with Snap, you can finance furniture, mattresses, wheels, tires, appliances, electronics, and jewelry. See our Store Locator to find a Snap Partner online or near you.

Absolutely! Snap uses a proprietary approval process that gives you the best chance of being approved. While we may not be able to approve all applicants, we specialize in helping those with bad credit, bankruptcy, or who have struggled with credit issues in the past.

A mindful approach to lease-to-own financing

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