Shop now.
Pay later.
Ready for a fresh approach to creditworthiness? Snap can help.
Won’t affect your FICO® score to apply1
Get it now with lease-to-own financing, an installment loan, or a retail installment contract2
How Snap works
Sometimes you need more time to pay, no matter how your finances stack up. Snap can help you get what you need now.
Apply
Apply in minutes, in-store or online. Get a decision in seconds with no hit to your FICO score.1
Find your store
Shop thousands of stores, online or near you.
Start shopping
Use your approved amount to get what you need today and pay later.
What could your lease-to-own payments look like?
Snap-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is a lease-to-own payment example and based on the maximum term, which may result in higher lease costs. Or, you can choose an early ownership option to save on overall lease costs.3
What could your lease-to-own payments look like?
Snap-branded financing options include lease-to-own financing and loan options with multiple plans that may affect overall cost. Use our calculator to see what your payments might be with a lease-to-own financing agreement. For loan options, your payments would be different.
This is a lease-to-own payment example and based on the maximum term, which may result in higher lease costs. Or, you can choose an early ownership option to save on overall lease costs.3
Why choose Snap?
You’ll love Snap’s clear and simple terms and convenient payment plans.
No credit needed¹
Need solutions that think outside the box – and your credit score - to determine your creditworthiness? Snap can help.
So quick, so easy
Apply in minutes, get a decision in seconds. Approvals from $300 to $5,000.
More shopping power
Shop now, pay later for tires and rims, furniture, mattresses, appliances, electronics, and more.
Multiple solutions
Get it now with lease-to-own financing, an installment loan, or a retail installment contract (RIC).2
What are you shopping for?
Over 100K shops. Shop by category.
Trusted by more than 5 million customers
Worry-free
No impact to your FICO score when you apply.1
Excellent rating
Based on verified reviews
Snap Finance goes where you go. Join 1M+ app users.
Disclosures
¹Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with submitted applications, and your score with those agencies may be affected.
²Snap-branded product offering includes retail installment contracts, bank installment loans, and lease-to-own financing. Talk with your local Snap merchant for more details on which product qualifies at your store location. For more detailed information, please visit https://snapfinance.com/legal/products
3 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.