Get what you love now. Pay later.

Take it home today with Snap's lease-to-own financing. All credit types are welcome to apply.

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Easy to apply, get a decision in seconds

No credit history required to apply

No impact to your FICO® score

Get what you love now. Pay later.

Snap makes lease-to-own financing simple

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Pay over time

Our ownership plans are based on your paydays to make it simple.

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Instant shopping power

Get what you need today and pay over time for furniture, mattresses, wheels, tires, appliances, electronics, and jewelry.

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Thousands of choices

Choose from +150,000 shops, in-store and online, to get what you want today with Snap's lease-to-own financing.

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Easy to apply

Apply in minutes and get a decision in seconds for Snap's lease-to-own financing.

What you need to apply for Snap's lease-to-own financing

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Be old enough to enter into a legal contract

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Have a steady income of $750 or more per month

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Have an active checking account

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Can provide a valid email address and smartphone number

Snap is the industry leader in lease-to-own financing

+5 million

Lease-to-own customers served since 2012

+1 million

Lease-to-own customers served last year

$300 - $5,000

Approval range

Customer-focused. Honest reviews.

JA

Jose A.

Great Service

The employees were super helpful and really nice. They were patient and walked me through everything, every step of the way.

KM

Kimberly M

Best Experience!

Excellent customer care! Patient, knowledgeable, clear guidance and full disclosure of terms, safe and secure handling of my new account!

CA

Charles A

This is my second time using Snap...

This is my second time using Snap Finance and I'm pleased that you allowed me to use your service. You were there when I needed you and I hope that your company…

CA

Carmen A

I'm pleased with the company as of today

I purchased a living room set last November. I like the payments, they are very cheap to me at $51 every two weeks. My credit isn't so good so I was happy they gave me…