Easy application process. Know in seconds if you've been approved
All Credit Types Welcome. Snap believes you're more than your credit score.
Snap offers flexible payment options, with no hidden fees.
Snap is a lease-to-own financing provider that empowers credit-challenged shoppers with the buying power to get what they need now.
Snap was founded on the principle that financing should be accessible to everyone.
Snap believes in transparency, so you will know upfront the cost of your lease.
Snap offers a 100-day option, which offers a considerable reduction in the overall cost of your lease.
Lease-to-Own (LTO) is an affordable financing option where Snap purchases the merchandise and allows you to use it while you make affordable payments over time. Once you've completed the terms of your lease, you take ownership of the merchandise. The terms of a lease are typically 12 months. Because it's a lease, your total cost will vary between 1 and 3 times the total of your cart.
With Snap, it's easy
Terms of a lease are typically 12 months, though the customer has the option to pay off their account and take ownership of their merchandise earlier (see ‘How can a customer pay off early? ’ below).
Snap offers approval amounts between $250 and $5,000.
There are two types of early ownership options, the 100-Day option, and the Early Buyout Option.
There is NO charge to apply for Snap. However, Snap does charge a small processing fee. Rates may vary by state but are generally $39. For online transactions, the processing fee is added to the cost of the merchandise and paid as part of the lease.
A Snap approval is valid for 90 days, after which you would need to reapply.