Up your purchasing power

Get it now, pay later with Snap's lease to-own financing!


Quick & Easy

An easy application process. Know in seconds of you've been approved!



All credit types welcome. Snap believes you’re more than your credit score.1


Flexible Ownership Options

Plans that work with your paydays and lower cost of ownership with early payoff options.

Why Snap?

Snap is a lease-to-own financing provider that empowers credit-challenged shoppers with the buying power to get what they need now.1

Snap Has Your Back

Snap believes in transparency, so you’ll know up front the cost of your lease.

Snap offers a 100-Day Option, which offers a considerable reduction in the overall cost of your lease.2

Get It Now With

Lease-To-Own Financing

Have more questions?

Our application process is simple, and you get a notification of approval in seconds. You can
  • Apply online at snapfinance.com.
  • 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.
  • 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.

    You can use your approved amount from Snap Finance at select merchants that specialize in furniture, mattresses, tires, appliances, electronics, jewelry, and more. Use our store locator to find a merchant near you!

    Once you make your purchase, your payments are spread over time, usually 12 months.

    1 The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available in Minnesota, New Jersey and Wisconsin. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with the lease-to-own application. Not all applicants are approved.

    2 Standard maximum lease term is 12 – 18 months. To exercise this option, consumers must ensure the full 100-day amount is paid within 100 days by contacting Customer Service at 1-877-557-3769 or scheduling payments in the customer portal. The 100-day option includes a cost of lease above the merchandise price.

    Some restrictions on leasable electronics may apply. See merchant for exclusions.