Lease-to-Own Options for Truck Accessories (Snap Finance)
Get the gear you need now – pay over time with Snap’s lease-to-own financing. This is not a loan or credit; Snap purchases the merchandise up front and leases it to you. When you complete the required lease payments (or choose an eligible early ownership option), you acquire ownership. You may also terminate the lease at any time by returning the merchandise to Snap in good condition.
Snap Finance offers lease-to-own financing that empowers credit-challenged shoppers¹ with the buying power to get what they need, now. Snap was founded on the principle that you should thrive with financing that’s accessible, affordable, and completely transparent. The application is easy, and you’ll find out in seconds if you’ve been approved.
With approvals up to $5,000² – get what you need today and make payments over time with Snap!
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How Snap Lease-to-Own Works
- Default plan (Maximum-Term Plan): Payments align with your payday (weekly, biweekly, semimonthly, or monthly). Ownership is acquired after making the scheduled payments over the maximum term (typically 12–18 months).
- 100-Day Option: Lowest-cost ownership path—pay the cash price plus sales tax, processing fees, and any applicable cost of lease within 100 days. To exercise, visit customer.snapfinance.com or call 1-877-557-3769.
- Early Buyout Option: Pay remaining lease amounts not yet due (with a discount on those payments) to acquire ownership earlier. Exercise via the customer portal or by calling Customer Care.
- Right to terminate: You may cancel at any time by notifying Snap and returning the merchandise in good condition.
Important: With the Maximum-Term Plan, customers may pay more than twice the merchandise price (plus applicable taxes/fees).
Who Can Apply?
- Minimum legal age to enter a contract
- At least $750/month income
- Active checking account*
- Active email address and smartphone number
*You may need a credit/debit card to apply.
What to Know About Reviews & Credit
- Applying with Snap typically does not impact your FICO® score, but may affect nontraditional credit scores (e.g., Clarity Services, DataX).
- Snap may review reports from specialty agencies (Clarity/DataX), not the three major bureaus.
- Snap reports lease history to certain secondary consumer reporting agencies.
Clear & Compliant Language
We describe this program as lease-to-own financing and avoid loan/credit terminology. If you see the phrase “All credit types welcome to apply,” please note: Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and your score with those agencies may be affected.
Disclosures & Availability
- The advertised service is a lease-to-own agreement provided by Snap RTO LLC.
- Lease-to-own financing is not available to residents of Minnesota, New Jersey, and Wisconsin.
- Standard maximum lease term is 12–18 months. To exercise the 100-Day Option, customers must ensure the full 100-day amount is paid within 100 days via Customer Care or the portal. The 100-Day Option includes a cost of lease above the merchandise price.
FAQs
Is this a loan?
No. It’s a lease-to-own agreement. Snap buys the merchandise and leases it to you. Complete the required payments (or an early option) to acquire ownership; you can also terminate by returning the merchandise.
How are payments scheduled?
Payments are scheduled to align with your payday – weekly, biweekly, semimonthly, or monthly.
Can I stack Snap with another financing option?
No. Stacking financing is prohibited under the Snap Partner agreement.
Ready to Start?
Click “Apply” above to start your Snap lease-to-own application. If you have questions, our team at OuO Pickup Cover is here to help explain terms before you apply and make sure you understand your ownership options.