Comparison

Purchasing Power vs Snap Finance

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Purchasing Power

Access an employer-provided benefit to purchase name-brand products and services. Pay over 12 months via payroll deduction. Manage your account, track orders, submit documents, and browse the catalog.

Highlights
  • Search product catalog
  • Shop on mobile site
  • View order and shipping status
  • Access account statements
  • Submit documents via camera
  • Browse new arrivals
  • Contact support
Features
Read full description

A better way to buy is better than ever before! Purchasing Power is an exciting benefit offered by your employer or organization that allows you to buy name-brand products and services and pay for them over 12-months through payroll deduction. Exclusively available to Purchasing Power customers, this app gives you all of your Purchasing Power information at your fingertips. Want to check your order balance? Need to submit a document to process your order? Looking for the newest products? This app allows you to: o Search our catalog o Shop on our mobile site o View Order and Shipping Status o View Your Account Statement o Send Documents (Use your camera or use existing images) o Check Out New Arrivals o Contact Us (Send a message) o Call Us Now o Sign In with Touch ID New to Purchasing Power? You must be an employee or member of a participating organization to have access to our industry-leading employee purchase program. Register now (https://www.purchasingpower.com/) to access your employer’s customized storefront and start shopping today!

About

Snap Finance

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.

Highlights
  • 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
Features
Currently charting
Read full description

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.

Screenshots

Purchasing Power4 screens
Snap Finance4 screens

Verdict

The call

Purchasing Power and Snap Finance both sit at 4.8 stars, but that hides the real split: 54% of Snap Finance's written reviews are positive against 21% of Purchasing Power's. Snap Finance also leads on monetization model (free vs free with in-app purchases) and chart position (#191 vs unranked). On price, rating, ratings volume and update cadence there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Purchasing Power against 4.9 for Snap Finance. Both are backed by a comparable volume of ratings — 32K and 29K respectively. Written reviews are what separate them: 21% of Purchasing Power's written reviews are positive against 54% of Snap Finance's.

UpkeepUpdate frequency

Purchasing Power ships an update every 2 months, Snap Finance every 6 weeks. The most recent releases landed on October 19, 2026 and October 20, 2026 respectively.

Scorecard3 real differences · 8 level
Purchasing Power versus Snap Finance: the parameters behind the verdict, then further details
ParameterPurchasing PowerSnap Finance
PriceFreeFree
Rating4.8 (32K ratings)4.9 (29K ratings) — better
Positive reviews21.1% of reviews53.8% of reviews — better
Number of ratings32K — better29K
Update frequencyEvery 2 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
Best chart rank—#191 — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.615.0 — better
Further details — not scored
Size47 MB94 MB
Age rating4+4+
DeveloperPurchasing PowerSnap Technology SRL

Customer experience

Purchasing Power

All ratings32,314 ratings
Positive97.1%
Neutral1.6%
Negative1.3%
Written reviews142 reviews
Positive21.1%
Neutral8.5%
Negative70.4%

Snap Finance

All ratings29,424 ratings
Positive98.2%
Neutral0.6%
Negative1.2%
Written reviews156 reviews
Positive53.8%
Neutral2.6%
Negative43.6%

User reviews

Purchasing Power

From 32K App Store ratings

What we love

  • 💳 Purchasing power
  • 🎁 Helps with gifts and essentials
  • 🙌 Convenient payment options
  • ⭐ Positive experiences

Room to improve

  • 💰 Overpriced items
  • 🚚 Shipping issues
  • 🤖 Buggy and unreliable app
  • 🙅‍♀️ Poor customer service
  • 🤔 Inconsistent policies

Snap Finance

From 29K App Store ratings

What we love

  • 👍 Easy terms and upfront information
  • 👍 Friendly and helpful customer service
  • 👍 Reliable financing option
  • 👍 Excellent app for rebuilding credit
  • 🚀 Fast and easy application process

Room to improve

  • 🐛 Buggy and unreliable mobile app
  • 🔒 Concerns about predatory lending practices
  • 🔒 Lack of transparency around fees and interest rates

Bugs and requests

Purchasing Power

Reported bugs

4 issues
  • Frequent app crashes
  • Login issues
  • Order cancellation problems
  • Incorrect order information

Requested features

3 requests
  • More product variety
  • Improved app functionality
  • Better communication with customers

Snap Finance

Reported bugs

3 issues
  • Login issues and verification code problems
  • App crashes and freezes
  • Inability to access account information and manage payments

Requested features

2 requests
  • Allow early/ahead of schedule payments without calling
  • Improve mobile app functionality and user experience

In-app purchases

None

Purchasing Power

No in-app purchases

None

Snap Finance

No in-app purchases

Questions

Is Purchasing Power free?
Purchasing Power is free to download, with no in-app purchases.
Is Snap Finance free?
Snap Finance is free to download, with no in-app purchases.
Which has better reviews, Purchasing Power or Snap Finance?
Snap Finance is rated higher. Purchasing Power averages 4.8 out of 5 from 32K ratings, while Snap Finance averages 4.9 from 29K ratings.
Do Purchasing Power or Snap Finance have ads?
Neither Purchasing Power nor Snap Finance shows ads.
Which is updated more often, Purchasing Power or Snap Finance?
Purchasing Power ships an update every 2 months, and Snap Finance every 6 weeks. Most recently, Purchasing Power was updated on October 19, 2026 and Snap Finance on October 20, 2026.

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