100 days to pay it off. Perfect credit not required.
Snap lease-to-own looks at more than a credit score. Get approved, take your items home, and lower your total cost by paying within 100 days.
Subject to approval. Opens the provider’s secure application.
100days
to pay the cash price plus taxes and fees and own it early.1
- Plans up to 18 months if you need more time
- Payments set to your payday, usually by autopay
- See your approval amount before you shop
How it works
1. Apply
Apply online in a few minutes, or ask us in store.
2. Get your approval
If approved, you’ll see your approval amount. Approvals may be valid for up to 60 days.
3. Shop and check out
Online, use the virtual card you’re given at checkout. In store, check out with us using Snap.
What you’ll need to apply
- A steady source of income
- An active checking account
- A valid government-issued ID
Before you apply: what this costs
- This may be a lease, not a loan. Depending on where you shop, Snap may offer a lease-to-own agreement, an installment loan, or a retail installment contract. Your agreement spells out which one you have.
- The 100-Day Option saves the most. Make every regular payment on time and pay the cash price plus taxes and fees within 100 days of signing. Pay through the Snap customer portal or call Customer Care at 1-877-557-3769.
- The default plan costs more. The 12–18 month plan has the lowest regular payment but the highest total cost.
- After 100 days you can still buy early before your final payment, but the savings shrink.
- Fees may apply. A processing fee or initial payment may be due when you complete your purchase. Check your agreement.
Common questions
Do I need good credit?
No. Perfect credit isn’t required. Snap generally looks at income, identity, and banking history. Snap explains how it reviews your application before you submit it.
How do I use the 100-Day Option?
Make all regular payments on time, then pay the required amount within 100 days of signing. You can do it in the Snap customer portal or by calling Snap Customer Care.
What if I can’t pay it off in 100 days?
Keep making your regular payments. You can still buy out early at any time before your final payment. Your total cost will be higher than if you had paid within 100 days.
How much can I get approved for?
Your approval amount appears when you’re approved and depends on your application. Choose items up to that amount.
Ready to apply with Snap?
Apply with Snap1. Snap Finance offers lease-to-own financing. Depending on where you shop, Snap may offer a lease-to-own agreement, an installment loan, or a retail installment contract through Snap’s affiliates or financing partners. Not all applicants are approved. 100-Day Option: to use it, make all regular payments on time and pay the cash price of the merchandise plus applicable taxes and fees within 100 days after you sign your agreement, through the Snap customer portal or by contacting Snap Customer Care. A processing fee or initial payment may apply. If you do not use an early purchase option, the total cost of your lease can be significantly higher than the cash price. Review your agreement for full terms.
Cheap Sleep is not a lender or lessor. Offers, terms, and availability vary by provider, product, and store, and may change without notice.