We approve up to 80% of applicants - whether you have poor credit from bankruptcy, no credit or bad credit scores, like so many others. It's simple, and applying online is lightning fast! Just apply online and once you're approved we'll direct you to the Snap merchants closest to you. Our network of over 5,000 stores allows you to finance all sorts of products. Once approved you're eligible to finance mattresses, furniture and more.
1. Apply • 2. Approve • 3. Shop
What is "No Credit Needed" financing?
“No credit needed financing” is our unique lease-to-own financing that doesn't rely on credit reports from the three major credit bureaus used by most lenders. We use a proprietary verification process to offer you up to $3,000 of financing. Using data from alternative information providers, we can verify income and financial standing in seconds when you use our easy online application. Please note that you may see our request for information on credit monitoring services.