Bad Credit, No Credit, OK!
We don’t pull credit from the main credit bureaus (CRAs)- because that actually can hurt your credit! And our finance experts are here to help. What does that mean to you? Even with a low credit score, you have a great chance of being approved with Snap! Don’t let no or bad credit stand in your way anymore.
Financing in a Snap! Up to 80% Approval Rate
Snap Finance provides easy financing for people with bad credit. Even if you have no credit, Snap is a great way to finance the things you need. It’s not a traditional loan, but a consumer lease that spreads out your purchase over 100 days.
Finance up to $3000 Today, And Shop Right Away
Not only do we offer high approval rates, we offer high approval amounts as well. So if you have a job and good banking history, apply today to see how much you qualify to receive. Once approved we’ll set up easy automatic payments which makes owning the new audio system for your Harley or upgrading your existing system a breeze. Don’t let your credit history stand in the way.
All you need to begin a new application is:
- Be at least 18 years old
- Have a steady job with reliable income
- Have an active checking account
- $450 is the minimum amount that can be financed.
You can get approved for up to $3,000 so you don’t have to worry and you can improve your credit at the same time.
Frequently Asked Questions and Answers
What are the requirements to apply for a lease?
- 18 years or older
- Active checking account
- Steady income of at least $1,000 month
How much do I have to pay today/Is there a down payment?
Only the $39 processing fee is due today, then your payment plan will begin on the schedule that you set.
What is my spending limit?
You can be approved for an amount up to $3,000.
How is a lease different than a loan?
Snap offers lease-purchase agreements, meaning there are no interest rates or APRs attached. Lease fees are based on a combination of Snap Finance’s proprietary underwriting process and customer-provided information. We also offer our 100-day cash payoff which includes no lease fees and only the cash price of the merchandise plus initial processing fee, which is an average of $39. Your payment schedule will be set for 12 months with withdrawals scheduled at the same frequency as your paydays.
Is there an interest rate associated with the lease?
No. Instead, there will be a rental fee for the lease which will be included in each payment. These fees will be waived if the total amount is paid within 100 days.
If I don’t have a job, can I still apply for a lease?
Yes. As long as you have an alternate form of income from Social Security, retirement, pension, etc. equaling at least $1,000 per month.
Can I pay off my lease before the 12 months?
Yes! Snap offers a 100-day cash buyout plan. You are also always welcome to buyout your lease before the 12 months and enjoy discounted rental fees.
How long is the lease?
How do the payments work?
Each payment will be deducted directly from the account which you provide at the beginning of your lease. Deductions will be scheduled for the day following your regular payday.
If I am denied, can I reapply?
Yes. We encourage you to continue applying for financing from Snap.
How quickly are customers approved?
Within seconds of submitting their online application.
How do the payments work?
Each payment will be deducted directly from the account which you provide at the beginning of your lease. Deductions will be scheduled for the day following your regular payday.In the event that agreed payment dates are surpassed, late payments will include the standard NSF fee ($25) plus an additional fee beginning at $5.
If a customer does not use all of his or her approval amount, can they use that amount at a later date?