Snap Finance

Snap Finance

No credit? Shop now, pay later

25K ratings
135 reviews
#179 in free Shopping
💼 Business
🛍️ Shopping
Free

Details

  • Released
  • Updated
  • March 30, 2023
  • July 29, 2026

Features

Snap Finance screenshot #1 for iPhone
Snap Finance screenshot #2 for iPhone
Snap Finance screenshot #3 for iPhone
Snap Finance screenshot #4 for iPhone
Snap Finance screenshot #5 for iPhone
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About

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

Apply for financing up to $5,000
No credit check required
Shop for furniture, electronics, and more
Manage lease details
Secure login with biometrics
View transaction history
Make and schedule payments
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What users say

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What's New in Snap Finance

2.2.11632

July 29, 2026

- Financing offers in more places — Available after a virtual card transaction, on denial screens, and after a successful payment. - Bug fixes and reliability improvements

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Charts

Top Free

📊 179

Shopping

The app has maintained its position at 179 recently.

Last updated on August 28, 2026.

User reviews

Review

Amazing

1100$ turned to 5500$

Don’t use this company, they double charge you, they start off with oh it says insufficient funds then hit you with it again then try saying it doesn’t cover your next payment. Doesn’t take off from the remaining amount owed either.
Garbage company don’t do it, go to Les Schwab they only do 3% interest vs 500% with snap finance
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Major Regrets

I regret ever using your company to finance anything. Your app is claiming I’m past due on a payment when I’m not, and your customer service seems to be inefficient at their job. Surprised you’re still in business honestly.

Can’t log in

I’ll try again later because maybe it’s just compiling my account but I was approved and entered all info complete with a receipt. I’ll give it 24 hours for tire agent to complete the purchase before I try again but for now it’s saying it can’t confirm my identity.

Snap finance

It’s the way to go if you don’t have great credit

Developer apps

User experience

🐞

Reported Bugs

3 issues

Login issues and verification code problems

Bug

App crashes and freezes

Bug

Inability to access account information and manage payments

Bug

Requested Features

2 requests

Allow early/ahead of schedule payments without calling

Feature

Improve mobile app functionality and user experience

Feature

FAQ

What is Snap Finance?

Snap Finance provides lease-to-own financing for purchases, allowing you to get items like furniture, appliances, and electronics now and pay for them over time. The app allows you to apply for financing, shop with approved retailers, and manage your lease and payments.

How do I apply for financing?

You can apply directly within the app in just a few minutes. The application process is quick and easy, and you can receive a decision in seconds for financing amounts up to $5,000. No credit history is required to apply.

What can I buy with Snap Finance?

You can use Snap Finance to shop for a variety of items, including furniture, tires, appliances, electronics, and more, at participating online or in-store retailers. Specific restrictions may apply to certain items like auto parts or sporting goods.

Is there a cost to use the Snap Finance app?

The Snap Finance app itself is free to download and use. The cost is associated with the lease-to-own agreement for the items you finance. Lease-to-own financing is not available in Minnesota, New Jersey, and Wisconsin.

How do I manage my lease and payments?

Once you have a lease, you can use the app to easily log in securely using facial or fingerprint recognition. You can view your transaction history, access your lease details, and manage your payments by making additional one-time payments or scheduling future payments.