Everything you want, made easy.
Whatever your purchase, you can get everything you want faster and easier with a credit card from Synchrony Financial. Ask about current promotions and select the special financing that meets your needs.
Apply Today In Store!
Don't delay or compromise.
Get what you really want.
With financing from Synchrony Financial, you'll appreciate our green options like:
-
Convenient monthly online statements
-
Manage and pay your bills online at mysynchrony.com
Cardholder benefits:
-
Simple application process
-
Fast credit decisions
-
Exclusive cardholder promotions
-
Convenient monthly payments
No credit required!
Snap Finance® makes it easy to bring home the furniture you love, even if you have little or no credit history. With approvals up to $5,000, Snap offers a simple lease‑to‑own program that gives you immediate buying power without the hassles of traditional credit cards.
Get approved up to
$5,000
Get Started!
1. Apply
Easily apply online or in-store, using text or by clicking the apply today button.
2. Get Approved
Receive a decision in seconds, with approval amounts up to $5,000¹
3. Shop
Use your approved amount to get what you need today.
¹The average approval amount a customer recieves is $3,000
FAQ's for Snap Finance®
-
Be at least 18 years of age.
-
Have a monthly income of $750 or more.
-
Have an active checking account.¹
-
Have a valid email address and phone number
¹May need a credit/debit card to apply.
-
We're fast
It's easy to apply, and approvals are received in seconds. We've created a smooth, hassle-free experience from start to finish, so you can get what you need quickly.
We're flexible
We consider more than just credit scores.
That helps us help you, no matter your financial background. All credit types are welcome here.
We're friendly
We appreciate our customers. We do our best to listen and treat you with respect.
We appreciate our customers. We do our best to listen and treat you with respect.
Maximum-Term Plan
Lowest payment option
Make regular lease payments until the end of your 12-18 month maximum term, at which time you own the merchandise. This is the default option unless you choose one of our early ownership options. Keep in mind that with this plan, you may pay more than twice the price of the retail goods, plus applicable taxes and fees.
100-Day Option¹
Lowest cost option
Reduce your cost of lease and acquire early ownership by making payments equal to the cash price of the merchandise, plus sales tax, processing fees, and any applicable cost of lease within 100 days after you sign your agreement. See your agreement for specific details regarding your lease.
Early Buyout Option¹
Most flexible lease term
Reduce your cost of lease and acquire early ownership by making payments equal to the cash price of the merchandise, plus sales tax, processing fees, and any applicable cost of lease within 100 days after you sign your agreement. See your agreement for specific details regarding your lease.
¹To exercise either early ownership option, consumers must go to customer.snapfinance.com or contact Customer Care at 1-877-557-3769.
How does it work?
Snap pays for the merchandise up front, so we own it. You take it home and lease it from us until you make all your payments. Then it's yours. It's that simple.
Can I complete my agreement early?
Sure! Pay the total cost of the merchandise and taxes, plus a processing fee or required lease charge, before the 100-day mark to obtain early ownership. After the 100-day window, you'll receive a discount if you make your remaining payments at one time.
Can I cancel my agreement?
You can also end an agreement early by letting us know you want to cancel and returning the merchandise to us.