Snap finance stores are available nationwide with over 200,000 retailers offering lease-purchase financing.
People that have difficulties getting approved for traditional financing due to bad credit, no credit, and even bankruptcy may be interested in Snap’s buy now, pay later no credit check financing.
Whether you need to purchase tires on credit or furniture on credit, Snap Finance works with bad credit customers.
Snap Finance Stores
Snap Finance can be used at over 200,000 retailers across the United States in dozens of categories from appliances, cell phones and furniture to car repair services and tires.
Use the Snap Finance store locator search tool to find businesses in your city that accept Snap financing.
Snap Finance Store Locator
Online stores that accept Snap Finance
Find online Snap Finance Stores where you can start shopping today:
| Store | Store Type |
| Affordable Home Store | Furniture |
| Audio Extreme | Car Audio & Security |
| Best Tire Center | Car Tires |
| Big Sandy Superstore | Furniture |
| Buy-Rite Beauty | Salon and Spa Equipment, Furniture |
| CB Furniture | Furniture |
| Down 4 Sound Shop | Car Audio |
| Electronic Express | Computers, Drones, TVs, Smart Home, Fitness |
| Element Wheels | Car Tires |
| Extreme Wheels | Car Tires |
| Finish Line Tire & Automotive | Car Tires |
| Mattress Depot USA | Mattresses |
| Mattress King | Mattresses |
| Modern Tire Dealer | Car Tires |
| OrthoMattress | Mattresses |
| Pro Wheel Sales | Car Tires |
| Sam Levitz Furniture | Furniture |
| Shyne Jewelers | Jewelry |
| SK Customs Car Audio | Car Audio |
| Speedzone | Automotive Equipment, Car Tires, Rims |
| Today’s Home Furniture | Furniture |
| TreadWrightTires | Car Tires |
| USA Tires & Wheels | Car Tires |
| Viper Motorsports | Car Tires, Wheels |
| Viper Tire And Auto | Car Tires |
| Walker Furniture | Furniture |
| Zaragoza Jewelry | Jewelry |
| Zoe’s Furniture | Furniture |
How Snap Finance lease-to-own works
Snap Finance offers people new to credit or those with bad credit an opportunity to finance merchandise over 12-18 months of payments.
- Snap buys the merchandise and leases it to you.
- The lease includes a cost added to the cash price of the merchandise being leased, and your total cost could be more than double the cash price of the merchandise.
- Lease payments will be automatically deducted from the checking account provided in the lease application.
- Once you’ve fulfilled the terms of your agreement, the merchandise is yours.
Snap Finance is not a credit builder program and payments are not reported to the three major credit bureaus.
Step 1: Apply Online
To apply for Snap Finance online you’ll need to complete the application with personal information along with your social security number and driver’s license number. You’ll get the result of your application in just minutes and have instant access to your financing upon approval.
Step 2: Choose a Retailer
Once you get approved, you can choose among the numerous Snap Finance Stores to purchase merchandise up to $3,000, depending on your approved credit limit. SnapFinance partners with retailers all over the country so you can shop locally and use your approval to lease your items.
Step 3: Check Out
SnapFinance will send you an email with the amount you are approved to lease once your application is approved. All you need to do is show it to your cashier to proceed with the transaction. Payments are automatically deducted from your checking account.
Snap Finance – No Credit Check Lease Details
Snap Finance offers instant access to your financing upon approval of up to $3,000.
- Payments do not start until 10 days after you receive your items
- 12 Month Payment Option
- 100 Day Cash Pay-Off
- No Early Pay-Off Penalty
- Approvals Up To $3,000
- Minimum Lease Amount $150
- No Credit Needed
Snap Finance Requirements For Approval
- You must be at least 18 years old
- You must have a valid and current checking account
- You must be able to prove a steady income
- You must provide a valid cellphone number or email address
- $39 Processing Fee
- Valid SSN or ITIN Number
Snap Finance Pros & Cons
Pros
- No collateral.
- Bad credit okay.
- No credit okay.
- Same-day decision and approval.
- Choose a local or online retailer.
- Avoid late fees with auto-debit payments.
- 100-day payment option to pay off your balance faster.
- You may cancel your lease at any time by notifying and returning the merchandise to Snap.
Cons
- Very high cost of leasing.
- Your payments are not reported to the credit bureaus.
- No grace time for payments.
- Application fees.
- Processing charge.
Stores like Snap
There are numerous retailers, online and local that offer Buy Now, Pay Later services like Snap.
Masseys is one online store that offers low monthly payments starting at just $5.99 a month (subject to final credit approval).
Shop for men, women and kids all in one place and pre-qualify instantly for Masseys Credit® with no impact to your FICO score.
Masseys’ products fall into several categories:
- Brand name clothing
- Shoes
- Accessories
- Beauty Products
Final takeaway
Using Buy Now, Pay Later financing may be the only option for people with bad credit. But keep in mind these type of services typically do not report to credit bureaus unless you fail to make payments. That means these Buy Now, Pay Later services will not add positive information to your credit reports or rebuilding credit scores. It can be expensive version of lease-to-own that requires seriously weighing the pros and cons.
