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Get up to $3,000

easy application instant approval unrivaled choice of merchants
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Just answer a few easy questions and get approved for up to $3000 in seconds!
Get instant ACCESS to your financing upon approval.

Shop away! Enjoy the flexibility that only the Snap Finance card can offer.

Bad credit. No credit. Bankruptcy.

We're your No Credit Needed financing partner!

Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don't have any credit history, good or bad? Don't worry, you're not alone! Getting financing can be difficult. Snap is here to help!

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Financing in a Snap!
Up to 80% approval rate

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Our online application is simple and quick to complete and you'll know in seconds if you're approved. It couldn't be easier to get the things you need! So if you're looking to finance furniture, mattresses, wheels, tires, and more...use Snap! We're the fast, flexible, and friendly choice.


Get up to $3000
Bad credit or no credit? No problem!

Snap doesn't offer traditional loans. Instead, we offer a consumer lease that allows you to finance your purchase over 12 months of convenient payments. We also offer a 100-Day Cash Payoff, the best terms around. Need new tires for your car? Or new furniture for your growing family? Don't let bad credit stand in your way. Snap is your partner for No Credit Needed financing!

What is No Credit Needed financing?

No Credit Needed financing is Snap's rent-to-own financing that doesn't rely on credit reports to determine approvals or denials. We use a propietary process that allows us to look beyond bad credit, bankruptices, or even no credit history. Snap understands that we all face challenges from time to time, so we look for opportunities to help you build or restore your credit.

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At Snap, we say YES when others say NO!

"I work at a merchant store where we run multiple contracts from Snap Finance each day. I've ran other "no credit needed" contracts from other companies, and it's easy to say, Snap is by far the quickest, easiest process. Snap is a great company, who I've seen firsthand really take care of their customers and merchants. I highly recommend this company."
Andrew Dunford, Facebook Review on 5/19/2016
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"I was treated with respect all the time and every time I called to make a payment they were more than helpful and understanding."
Scott Karen Sweater Boutique Karen Pullover Boutique Boutique Sweater Scott Karen Scott Pullover Danny M, BBB on 6/30/2015
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"My experience has been nothing but positive. From my purchase, to delivery, to payment plan, to contact with Snap customer service."
R.L., BBB on 1/2/2016
"Was able to easily pay off a mattress with no credit! Made the cash payoff in the end which was a big plus. Customer service was quickly accessible and always friendly."
Phillip G, BBB on 7/30/2015

Find a Snap merchant

Easily search for merchants that offer the kind of products you are looking for. Snap makes it easy to apply and get financed today!

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Materials 100% Cotton