I love the speed with which I was approved, and the option of paying off the loan within 100 days to avoid any interest charges. I first bought a leather sectional with their financing and was fortun... See more
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I’ve used snap finance about 4 times. It is very beneficial with giving you the option of the 100 day buy out. It helps that you get to break down your payments and not have to pay the full amount rig... See more
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Snap is very reliable when it comes to your lease to own needs. I have turned to their company for years & l am satisfied with the level of service l have received. Also, l am assured that my informat... See more
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I have used Snap Finance on several occasions, furniture and appliance purchases. And auto repair and tire services. It allows me to split the major cost into smaller payments. Making it easier to aff... See more
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Company details
Written by the company
Snap Finance harnesses the power of data to empower consumers of all credit types to get what they need. Launched in 2012, Snap’s technology utilizes more than a decade of data, machine learning, and nontraditional risk variables to create a proprietary platform that looks at each customer through a more holistic lens. Snap’s lease-to-own and credit solutions are changing the face and pace of consumer retail finance. For more information, visit snapfinance.com.
Contact info
PO Box 26561, 84126, Salt Lake City, United States
- 877-557-3769
- customer@snapfinance.com
- www.snapfinance.com
4.6
Excellent
9K reviews
Replied to 98% of negative reviews
Typically replies within 24 hours
Terrible
Terrible! I got it for $928 and I had owed $90 thinking it was just going to charge like 50% worth of interest which then actually ended up being DOUBLE what I originally borrowed.
I ended up paying $1,800 for a $900 loan. Do not use them. I heard they don’t automatically take your last payment to make sure you go over that 100 day limit and can screw you over on purpose.
Date of experience: July 03, 2025
I was very easy to get what I needed to…
I was very easy to get what I needed to purchase. I just paid off my 2nd purchase in 6 months, tires and a dining room. But, when I applied for something else it said I didn't qualify, not happy about that.
Date of experience: July 04, 2025
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Beneficial
I’ve used snap finance about 4 times. It is very beneficial with giving you the option of the 100 day buy out. It helps that you get to break down your payments and not have to pay the full amount right then and there. It has came in clutch every time and will continue to use it. I’ve used it for tires on my truck and van, and work for my engine. Snap finance is definitely my go to whenever it’s needed.
Date of experience: July 02, 2025
Reply from Snap Finance
Thank you for your fantastic feedback, Pablo! We're thrilled to hear that Snap Finance has been beneficial for you and has helped with your vehicle needs.
Great customer service!!!
Spoken with Andrea today. And she was amazing solved all my issues straight away due to an order been misplaced!
She is a credit to your company!!
Well done Andrea 🫶🏽
Date of experience: July 03, 2025
Reply from Snap Finance
Thank you for your fantastic feedback, Shelley! We take pride in our team's dedication to customer service, and your recognition means a lot to Snap.
It was very easy to apply and allowed…
It was very easy to apply and allowed us to save our capital for other expenses which is enormously helpful for a new business.
Date of experience: June 30, 2025
Reply from Snap Finance
Kimberly, thank you for your kind words! We're so glad to hear the application process was easy and that our financing helped you preserve capital for other important business expenses. Supporting new businesses like yours is what we’re here for. Thank you for choosing Snap Finance.
I love the speed with which I was…
I love the speed with which I was approved, and the option of paying off the loan within 100 days to avoid any interest charges. I first bought a leather sectional with their financing and was fortunate enough to pay it off before I would have had to pay interest. Recently I needed a new dryer ASAP and was quickly approved. I once again intend to pay the balance within the 100 day period so as not to have to pay interest charges.
Date of experience: July 01, 2025
Reply from Snap Finance
Linda, thank you so much for your thoughtful review! We're happy to hear that the quick approval process and our 100-Day Option have been helpful for your purchases. It's wonderful that you've been able to take advantage of the flexibility and pay off your items in time. Thank you for choosing Snap Finance.
FALSE use of words 'final payment'
This company calls a final payment falsely that is not one at all! Then leaves lingering payments of pennies as a 'post term payment' keeping clutches on a contract and your financial accounts meanwhile no referenceable information to complete payments yourself. It's shameful to take advantage of people with well over 100% interest and continue clutching non-transparently and greedily.
Steer clear of this company.
Date of experience: June 30, 2025
Reply from Snap Finance
We’re very sorry to hear about your experience and appreciate you sharing your concerns. We understand how frustrating and confusing unexpected charges can be, and we take feedback like this seriously. Unfortunately, we weren’t able to locate an account with the information provided. We’d really like to review your account to better understand what happened and see how we can help—please give us a call at 877-557-3769 so we can look into this further.
DO NOT USE SNAP. DO YOURSELF A FAVOR.
I used this company to finance my home appliances and WAS referring several friends since the pay off with no interest was great. I made the pay off payment on 6/18 with the deadline being 6/23. I even added my debit card onto my profile on 6/18 since they couldn't use my account number. My payment was never processed and I was hit with a high "cost of lease" charge, although they told me they can see all of my activity on my page on 6/18. Why else would add in my debit card and they've already have my account number? I tried asking for an extension to pay it off and was told no since it was after the 3 day grace period. SNAP, I WOULD NEVER USE YOUR SERVICES AGAIN OR RECOMMEND YOU TO ANYONE OR USE THEM EVER AGAIN. $800+ additional charges after they confirmed my account activity before the deadline? And just to think I was looking into another lease for more appliances...TERRIBLE customer service. NEVER. EVER. AGAIN.
Date of experience: June 30, 2025
Reply from Snap Finance
We're truly sorry to hear about your experience and completely understand your frustration. We’d really like the opportunity to review your account and see if there’s anything we can do to help. Unfortunately, we couldn’t locate your account with the details provided. Please give us a call at 877-557-3769 so we can take a closer look and work toward a resolution.
It was a truly positive interaction…
It was a truly positive interaction with the financial institution. The staff members were incredibly helpful and patient throughout the entire process. Their clear explanations made understanding the complex information much easier. I appreciated their commitment to providing excellent customer service. Overall, it was a seamless and pleasant experience.
Date of experience: June 27, 2025
Reply from Snap Finance
Thank you, Saida! We're happy to hear about your positive experience. Our team is dedicated to providing clear and helpful support, so it’s great to know that it made a difference for you. Thank you for choosing Snap Finance.
Nice customer service good experience
Nice customer service good experience
Date of experience: June 27, 2025
Reply from Snap Finance
Thank you for the fantastic feedback! We're thrilled to hear that you had a great experience with our customer service. Your satisfaction is our top priority, and we look forward to serving you again soon!
Because i got good service
Because i got good service, And i wanna do more experience with them.
Date of experience: June 25, 2025
Reply from Snap Finance
Thank you, Wislande! We're pleased to know you had a positive experience with Snap Finance. Your feedback is greatly appreciated, and we look forward to continuing to provide you with excellent service in the future.
Snap Finance was a Snap to apply
Snap Finance was very easy to apply for, the terms were simple and transparent.
It’s a wonderful option when you need to have auto repairs done and don’t want to run up your credit card or drain your bank account.
The 100 days option is perfect.
So glad I saw their sign at my local auto service shop.
5 stars all the way !
Date of experience: June 20, 2025
Reply from Snap Finance
Thanks for the fantastic feedback, Johanna! We're glad to hear the Snap Finance application process and terms made things smooth for you. We appreciate your support and look forward to continuing to assist you!
Reply from Snap Finance
Thank you, Daniel! We're pleased to know you had a great experience with our team. Your support is truly appreciated, and we're always here to assist you, especially when using Snap Finance.
Trustworthy
Snap is very reliable when it comes to your lease to own needs. I have turned to their company for years & l am satisfied with the level of service l have received. Also, l am assured that my information is never mishandled by snap
Date of experience: June 19, 2025
Reply from Snap Finance
Thank you, Kevin! We're thrilled to hear about your positive experience with our lease-to-own services. Reliability and customer satisfaction are our top priorities, and we appreciate your loyalty over the years. Your trust in our commitment to data security means a lot to us!
I applied for credit and it was easy
I applied for credit, they asked no questions. Very fast and easy. 100 days same as cash. If your looking for home furnishings financed, I recommend them. Thanks snap.
Date of experience: April 27, 2025
Reply from Snap Finance
Thanks for your feedback, Timothy! We're glad to hear you found the application process fast and easy. We appreciate your recommendation and hope you enjoy your new home furnishings!
My breaks master cylinder went out in front of George’s Wholesale Tire Shop.
My breaks went out on the road directly in front of Geoges Tire Shop. Which I was lucky, since the breaks would not stop my car. But at I had no money or credit cards.
I also realized I had no funds available. I was really strapped for money. How was I going to fix my only form of transportation. I walked into the shop. Asked if I could park my car and return when I had money. Well, they proceeded to inform me that they could fix my car that day! That they offered SNAP!
NO hard credit check is necessary. I did not need to unlock my Experian credit or run a credit check. That I had 100 days to pay! WOW. How lucky was I. That my car broke down directly in front of a SNAP provider! My car was ready the next day. And I had till
July 1st., additional money availability should I need to tap that. Thank you SNAP!
Date of experience: May 20, 2025
Reply from Snap Finance
Thank you for sharing your experience, Jenny! We're thrilled to hear that our service was there for you when you needed it most. It's great to know that we could help get your car back on the road without any hassle. We appreciate your support!
What made my The Amazing SNAP Financial experience great with SNAP!!!
My experience great with SNAP was the whole entire set up wrap I'm one! The Customer Service, price, payments this company is Amazing 👏🏾 🤩
Date of experience: June 19, 2025
Reply from Snap Finance
We're happy to hear that your entire experience, from customer service to payments, was amazing! We truly appreciate your positive feedback and are glad you're one of our valued customers.
Worst customer service ever
Worst customer service ever, and I was interested to partner with them for my business but they definitely have zero interest in my area, or at least that is what my location agent shows me. I would not recommend this company at all to any business or customer.
Date of experience: May 06, 2025
Reply from Snap Finance
We appreciate your feedback, Jhojan. We're sorry to hear about your experience and take your concerns seriously. We're committed to improving our service and ensuring our partners feel valued. If you can contact us, we would love to see how we can help. You can reach our Team at 877-789-4384 M-F 7am to 7pm. Thank you for sharing your thoughts, and we hope to do better in the future.
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