Snap Finance

Name: Snap Finance
Rating: 4.9 (16586 reviews)
Author: Snap Technology SRL

No credit? Shop now, pay later

Only for iPhone

Free

17K Ratings
Ages

4+
Years
Category

Shopping
Developer

Snap Technology SRL
Language

EN
English
Size

94
MB

iPhone

Snap Finance® Need it now? It’s easy to apply in the Snap Finance app for up to $5,000 in lease-to-own financing. Get a decision in seconds. No credit needed to apply. Already a customer? Download now to manage your lease. APPLY IN MINUTES  It’s quick and easy to apply in the app. Get a decision in seconds for up to $5,000 in lease-to-own financing. SHOP NOW  Shop online or at a store near you for furniture, tires, appliances, electronics and more. Pay later. EASY LOG IN   No more passwords to remember. Log in quickly and securely with facial or fingerprint recognition. MANAGE PAYMENTS  Make an additional one-time payment using your credit or debit card or schedule a future one-time payment. You can also change or add a payment method at any time. VIEW TRANSACTIONS  See your transaction history and your scheduled payments. ACCESS YOUR LEASE DETAILS  Review information about your lease, repayment, and how to contact your retailer. EXPLORE OPTIONS  View details of your current ownership plan to determine if switching to a different ownership plan is right for you. The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin. Some restrictions may apply on leasable auto parts, electronics, or sporting goods. Please check with merchants for details. 1. Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected. 2. Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.

Ratings & Reviews

4.9

out of 5

17K Ratings

Payback
10/04/2025

Michelle with watching eyes
Always set up you weekly payments in the amount that will pay off your loan in 90 days. That way it takes the worry out of the process and you know your loan will be paid off on time. And if for any reason you miss a weekly payment just call in and make the payment over the phone that way you will be back on track to be paid off in the 100 days.

Developer Response
Michelle, thank you for the review — those are great tips! It’s always best to plan ahead and make sure all payments are made on time to avoid any issues with the 100-day option. We appreciate you choosing Snap Finance!
Payback
10/04/2025

Michelle with watching eyes

Always set up you weekly payments in the amount that will pay off your loan in 90 days. That way it takes the worry out of the process and you know your loan will be paid off on time. And if for any reason you miss a weekly payment just call in and make the payment over the phone that way you will be back on track to be paid off in the 100 days.
Developer Response 10/07/2025
Michelle, thank you for the review — those are great tips! It’s always best to plan ahead and make sure all payments are made on time to avoid any issues with the 100-day option. We appreciate you choosing Snap Finance!
Terrible
12/22/2025

Marijarg29
If you don’t plan on paying the merchandise amount within the 90 days they offer, don’t even bother working with them. About a year ago I went to a furniture store and was told about snap finance and ended up applying and getting approved. I was happy and excited I got approved but it’s been a year now and I just got done paying them with the buy out option I choose, keep in mind the merchandise I got was around 5k and I ended up paying around 8-9k due to interest and I was giving two payments a month of 293 which was outrageous. I payed them on dec 20,2025 and was told I paid them everything and I was done, but today I check my bank account and seen I was still charged a payment of 293. Which I truly don’t understand why I’m being charged another payment if I have already payed them off which I did the buy out option. I will never consider snap finance ever again. It’s so sad they do this.

Developer Response
Thank you for sharing your experience. We understand how frustrating it is to see an unexpected payment after being told your account was paid in full, and we’re sorry for the stress this caused. At this time, we’re unable to locate an account with the information provided in the review. Please contact our Customer Service team at (877) 557-3769 so we can look into this and assist you further. We appreciate the opportunity to help resolve this.
Terrible
12/22/2025

Marijarg29

If you don’t plan on paying the merchandise amount within the 90 days they offer, don’t even bother working with them. About a year ago I went to a furniture store and was told about snap finance and ended up applying and getting approved. I was happy and excited I got approved but it’s been a year now and I just got done paying them with the buy out option I choose, keep in mind the merchandise I got was around 5k and I ended up paying around 8-9k due to interest and I was giving two payments a month of 293 which was outrageous. I payed them on dec 20,2025 and was told I paid them everything and I was done, but today I check my bank account and seen I was still charged a payment of 293. Which I truly don’t understand why I’m being charged another payment if I have already payed them off which I did the buy out option. I will never consider snap finance ever again. It’s so sad they do this.
Developer Response 12/27/2025
Thank you for sharing your experience. We understand how frustrating it is to see an unexpected payment after being told your account was paid in full, and we’re sorry for the stress this caused. At this time, we’re unable to locate an account with the information provided in the review. Please contact our Customer Service team at (877) 557-3769 so we can look into this and assist you further. We appreciate the opportunity to help resolve this.
Great Company
05/22/2025

EbbGotti
I love snap I always use snap wherever I can it has helped me increase my credit score and it comes in handy when times are rough. I do recommend paying them back on the 90 day option if not you will have to pay like double back

Developer Response
Thank you so much for the kind words, Ebb! We're thrilled to hear that Snap Finance has been a helpful resource for you and that it’s made a positive impact on your credit journey. Great tip on the 100-day option, too! We truly appreciate your continued support and recommendation.
Great Company
05/22/2025

EbbGotti

I love snap I always use snap wherever I can it has helped me increase my credit score and it comes in handy when times are rough. I do recommend paying them back on the 90 day option if not you will have to pay like double back
Developer Response 05/26/2025
Thank you so much for the kind words, Ebb! We're thrilled to hear that Snap Finance has been a helpful resource for you and that it’s made a positive impact on your credit journey. Great tip on the 100-day option, too! We truly appreciate your continued support and recommendation.
Beware!
04/04/2025

Reina LaReyna
If you can pay this off in the first 100 days, it’s great. But if any hard times come and you are over that 100 days no matter if it’s a week or a month, you’ll be paying double what you were loaned. I unfortunately had to pay double and on top of that an additional payment was token out a day after I paid and to cover that up they said “it was part of the balance and if I wanted a refund of that extra payment the account would have to be reopened until that extra payment was paid off. So basically if you can do it in 100 it’s great but after that, it’s a total scam

Developer Response
Reina, we’re sorry to hear about your experience. We strive to provide clear terms and support during tough times. Your feedback is valuable, and we'll use it to improve our communication and services. Thank you for sharing your concerns with us.
Beware!
04/04/2025

Reina LaReyna

If you can pay this off in the first 100 days, it’s great. But if any hard times come and you are over that 100 days no matter if it’s a week or a month, you’ll be paying double what you were loaned. I unfortunately had to pay double and on top of that an additional payment was token out a day after I paid and to cover that up they said “it was part of the balance and if I wanted a refund of that extra payment the account would have to be reopened until that extra payment was paid off. So basically if you can do it in 100 it’s great but after that, it’s a total scam
Developer Response 04/07/2025
Reina, we’re sorry to hear about your experience. We strive to provide clear terms and support during tough times. Your feedback is valuable, and we'll use it to improve our communication and services. Thank you for sharing your concerns with us.

- Improved Navigation Enhanced deep linking for a smoother and more intuitive user journey. - New Integration for Logged-In Users Additional services are now available to simplify your experience. - General Fixes & Enhancements Various bug fixes and overall performance improvements to keep the app running smoothly.

Version 2.2.10387

12/19/2025

Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Identifiers
- Usage Data
- Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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