Lease-To-Own Financing. No credit needed! Get approved up to $5000* with Snap Finance. Apply in-store or by text!
*The approval is not guaranteed. The average approval amount a customer receives is $3000.
Text 64066 to 48078 to apply.
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Why Lease-To-Own with Snap?
Fast
It's easy to apply with approvals coming back in as little as seconds. The process is created to be quick and hassle free.
Flexible
Snap looks at more than just credit scores to ensure everyone can get approved despite backgrounds. Even with no credit**.
Friendly
The customers always come first. The mission is to treat everyone with the upmost respect to deliver the best experience.
**While no credit history is required, Snap obtains information from consumer reporting agencies with the lease-to-own application. Not all applicants are approved.
Frequently asked questions
How does it work?
Snap pays for the merchandise up front, so they own it. You take it home and lease it from them until you make all your payments. Then it's yours. Simple.
Can I complete my agreement early?
Of course! Pay the total cost of the merchandise and taxes, plus a processing fee or required lease charge, before the 100-day mark to obtain early ownership. Past the 100-day window, you'll receive a discount if you take care of your remaining payments at once.
Can I terminate my agreement early?
You can also end an agreement early by letting snap know you want to cancel and returning the merchandise to them.
What do I need to apply?
To apply you must be at least 18 years of age, hav a monthly income of $750 or more, have an active checking account, and have a valid email address and phone number.
What options does Snap offer?
Snap offers 3 options.
Maximum-Term Plan (Lowest Payment Option): You make regular lease payments over 12-18 months, at which time you own the merchandise.
100-Day Option (Lowest Cost Option): Early Ownership can be obtained by making lease payments equal to the cash price, plus sales tax and either a processing fee or lease charge within the first 100 days. Contact Snap for more information.
Early Buyout Option (Most Flexible Lease Term): At any time, you can acquire owner ship of the merchandise by paying all maximum-term lease payments that are not yet due and receive a discount on those lease payments of 30% or more.