Snap Finance offers a lease-to-own payment solution that helps you get what you need now and pay over time. Our application process is quick and easy, with decisions typically made in seconds. We look beyond traditional credit scores to approve customers.

Lease terms range from 12 to 18 months, with early buyout options available to help you save. You can use Snap both online and in-store at thousands of participating retailers.

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.

¹Not 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.

²The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is the most expensive. To exercise an early ownership option, including the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option includes a cost of lease above the merchandise price.