Snap Financing
How Snap Finance Works
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How Snap Finance Works
- No credit needed to apply — Snap Finance has industry-leading approval rates and does not require a credit history, and applying won't affect your FICO score.
- Apply quickly online or in-store — Apply online, through the Snap Finance mobile app, or in-store at a participating retailer via text-to-apply or QR code. You get a decision in seconds.
- Get approved for up to $5,000 — Approval amounts range from $300 to $5,000, depending on underwriting criteria.
- Shop at thousands of stores — Snap Finance can be used at over 150,000 participating stores, including retailers selling furniture, mattresses, tires and wheels, appliances, electronics, car audio, and jewelry, both online and in-store.
- What you need to apply — You must be old enough to enter into a legal contract, have a steady monthly income of at least $750 or $1,000 depending on the product, an active checking account, and a valid email address and smartphone number.
- Flexible payment options — Get more time to pay without putting it all upfront. Depending on where you live, an initial payment may be required at the time of transaction.
- Two financing types available — Snap offers lease-to-own financing, where Snap purchases the merchandise and you lease it until all payments are made, as well as an unsecured installment loan originated by Snap's bank partner and serviced by Snap Finance.
- Manage your account on the go — The Snap Finance mobile app is available on iOS and Android and has over 1 million users.
Afterpay
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How Afterpay Works
- Shop now, pay over time — Shop thousands of brands and millions of products, online and in-store.
- Split into 4 interest-free payments — Make the first payment upfront and the rest over time. Always interest-free at partner brands when you pay in 4, generally spread over six weeks.
- No late fees when you pay on time — Afterpay will send you reminders and caps late payments to help you get back on track.
- Use in-store too — Set up the digital Afterpay Card in the In-store tab in the app and add it to your Apple Wallet or Google Wallet to tap and pay in person.
- Stay in control with the app — Track your payments and reschedule payment dates to keep your budget in check. You can also explore trending products, get personalized recommendations, exclusive deals, and create shopping lists.
- Earn rewards — Join Pulse Rewards for free to earn points for eligible on-time payments that unlock benefits.
- Eligibility requirements apply — You must be 18 or older and a U.S. resident, and additional verification may be required for in-store use.
EasyPay
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How EasyPay Finance Works
- Apply online in minutes — Complete a short, secure application with basic personal, employment, and banking information. The application takes just minutes to complete.
- Get a fast decision — You'll know your approval status quickly — no long waiting periods.
- Get approved for up to $5,000 — No perfect credit is required. The application uses a soft inquiry, which should not impact your FICO credit score.
- Shop at participating stores — Financing is available through trusted retailers in industries including automotive repair, tires and wheels, furniture, mattresses, and more.
- Review and sign your agreement — You'll review a clear agreement outlining all terms before completing the transaction, and your specific terms, payment schedule, and total cost are presented multiple times before you sign.
- Make scheduled payments — Payments are typically set up for automatic withdrawal from your chosen account on scheduled dates.
- Option to pay off early — You can pay off your contract early without any prepayment penalties, which may reduce the total interest owed.
