All credit types are welcome.

1) Snap Finance Lease-To-Own Plan Summary

Secure approval for up to $5,000 with our hassle-free lease-to-own agreements. Make your purchase within 3 months to enjoy zero interest, bypassing extensive credit investigations. Flexible payment options include monthly, bi-weekly, or semi-monthly installments, directly debited from your bank account. Online payment tracking and early payoff options are available, enhancing your convenience. Note: Interest charges will be incurred if you exceed the 3-month term.

Eligibility is simple: if you're 18 or older, possess an active bank account with a 3-month history, and receive a minimum of $1,000 monthly, approval is highly likely. Applying is risk-free and won't impact your credit score. Simply fill out and submit the application for an immediate decision. Contact us for guidance through the process. Get ready for prompt shipping with an affordable initial payment.

How to Apply: (No Credit Impact & Free)

To access our lease-to-own financing, customers need to apply via our partner's website, as this option isn't available at checkout.

Payment Plans

Choose between a 12-month interest-bearing plan for smaller payments or a 3-month, interest-free option with larger payments. Automatic bank account deductions make payments easy. Upon order delivery or shipment, contact the financing partner to opt for the 3-month no-interest plan. Remember, the default setting is the 12-month plan.

Furniture Financing Approval Criteria:

  • Legal age for contract agreement.
  • Consistent monthly income.
  • Active checking account.
  • Valid email and phone contact.

Does It Affect Credit?

Our soft credit check during application or approval does not affect your credit score or register as a hard inquiry. We do not conduct credit checks through major CRAs, so your credit history won’t hinder your high chances of approval with Snap Finance.

2) Shop Now Pay Later ShopPay Installments


Opt for interest-free financing over 4 installments without impacting your credit score.

How to Apply

To complete your purchase, simply add the desired items to your cart. Once you're ready, navigate to the checkout page and select the financing company and method that best suits your needs.

Eligibility and Credit Scores

Your credit score is not affected if your purchase is eligible for splitting the total into four payments using Shop Pay Installments. However, if your purchase is divided into monthly payments, then your payments may be reported to a credit bureau.


Rates from 0%-36% APR. Payment options through Shop Pay Installments, are subject to an eligibility check and are provided by these lending partners: Options depend on your purchase amount, and a down payment may be required. State notices to consumers