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How it works
Snap Finance offers consumer loans to all credit types, but it especially helps those who’ve had credit challenges in the past and may not qualify for traditional financing. Snap’s application is EASY, and you’ll find out in seconds if you’ve been approved.
Apply - Get approved in seconds
Visit our store and show us your pre-approval
Be ready to shop and place your order!
Approve your contract - Get 100 days with no interest to pay
Call Snap and modify payment amount and due date as needed
To apply, you’ll need to:
Be of legal age (18 years) to enter into a contract
Have a steady monthly income of $750 or more
Have an active checking account
Provide a valid email address and phone number
Frequently asked questions:
How much can I get a lease approved for by Snap?
Snap approves amounts from $250 to $5,000.
How many days do I have to pay my lease?
You have 100 days to pay with no interest!
Can I pay off snap finance early?
Early Buyout Option
For maximum flexibility, customers can acquire ownership at any point between the end of the 100-day period and their final scheduled payment. By paying all maximum-term lease payments before their due date, customers can save 30% or more in their leasing cost.
Can I modify my monthly payments?
Yes! Initial payments are most likely to be set up to be drafted from your account on your payday (weekly, bi-weekly, etc). You can call Snap and modify the payment amount and the due date.
Can I still be approved by Snap if I have bad credit?
Absolutely! Snap uses a proprietary approval process that gives you the best chance of being approved. While we may not be able to approve all applicants, we specialize in helping those with bad credit, bankruptcy, or who have struggled with credit issues in the past.
Does Snap Finance report to credit bureaus?
Snap reports payment outcomes to the Consumer Reporting Agencies (CRA) it pulls credit information from. For our lease-to-own and loan products, Snap reports to the CRAs Clarity Services Inc., and Data X. Snap does not report payment outcomes for our lease-to-own and loan products to TransUnion, Equifax, or Experian.
Does applying with Snap Finance affect your credit?
Unlikely to affect your FICO score or scores from the three major credit bureaus - Experian, Equifax, and Transunion.
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