Shop Now, Pay Later

All credit types welcome here! Lease-to-own financing. Apply now, get a decision in seconds, use your approved amount to get what you need today. Get approved for up to $5,000.

Get Started
To apply, text 60670 to 48078

What You Need To Apply
– Be at least 18 years of age
– Have a monthly income of $750 of more
– Have an active checking account (may need a credit/debit card to apply)
– Have a valid email address and phone number

Why Lease-to-Own with SNAP
We’re fast! It’s easy to apply, and approvals are received in seconds. We’ve created a smooth, hassle-free experience from start to finish, so you can get what you need (and want) quickly.

We’re flexible! We consider more than just credit scores. That helps us help you, no matter your financial background. All credit types are welcome here.

We’re friendly! We appreciate our customers. We do our best to listen and treat you with respect.

Understanding Lease-to-Own
How does it work? Snap pays for the merchandise up front, so we own it. You take it home and lease it from us until you make all your payments. Then it’s yours. It’s that simple.

Can I complete my agreement early? Sure! 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. After the 100-day window, you’ll receive a discount if you make your remaining payments at one time.

Can I cancel my agreement? You can also end an agreement early by letting us know you want to cancel and returning the merchandise to us.

Multiple Ownership Options
Maximum-Term Plan (Lowest Payment Option): Make regular lease payments until the end of your 12-18 month maximum term, at which time you own the merchandise. This is the default option unless you choose one of our early ownership options. Keep in mind that with this plan, you may pay more than twice the price of the retail goods, plus applicable taxes and fees.

100-Day Option (Lowest Cost Option): Reduce your cost of lease and acquire early ownership by making payments equal to the cash price of the merchandise, plus sales tax, processing fees, and any applicable cost of lease within 100 days after you sign your agreement. See your agreement for specific details regarding your lease.

Early Buyout Option (Most Flexible Lease Term): At any time, you can acquire ownership of the merchandise by paying all full-term lease payments that are not yet due and receive a discount on those lease payments.