Purchasing Power vs Snap Finance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Search product catalog
- Shop on mobile site
- View order and shipping status
- Access account statements
- Submit documents via camera
- Browse new arrivals
- Contact support
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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!
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.
- 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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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Purchasing Power | Snap Finance |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (32K ratings) | 4.9 (29K ratings) — better |
| Positive reviews | 21.1% of reviews | 53.8% of reviews — better |
| Number of ratings | 32K — better | 29K |
| Update frequency | Every 2 months | Every 6 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Best chart rank | — | #191 — better |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 47 MB | 94 MB |
| Age rating | 4+ | 4+ |
| Developer | Purchasing Power | Snap Technology SRL |
Customer experience
Purchasing Power
Snap Finance
User reviews
Purchasing Power
From 32K App Store ratingsWhat 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 ratingsWhat 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
Purchasing Power
No in-app purchases
Snap Finance
No in-app purchases
Questions
Is Purchasing Power free?
Is Snap Finance free?
Which has better reviews, Purchasing Power or Snap Finance?
Do Purchasing Power or Snap Finance have ads?
Which is updated more often, Purchasing Power or Snap Finance?
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