Snap Finance

Lease-to-Own Wheels and Tires with Snap Finance

Want new wheels and tires now but would rather pay over time? Snap Finance offers lease-to-own financing: you get your order now and make scheduled payments that are lined up with your paydays. No credit history is needed to apply, and applying won’t affect your FICO® score.

Just select at checkout.

Snap is Simple

1. Shop: Add the wheels, tires or package you want to your cart.

2. Apply: At checkout, choose Snap Finance and complete the application. You’ll get a decision in seconds.

3. Review and sign: If you’re approved, review your lease agreement and payment schedule, then finish your order.

4. Pay: Make your scheduled payments. You can set up automatic payments in Snap’s mobile app.

What to Know

How lease-to-own works: Snap buys the merchandise and leases it to you. You own it once your lease terms are fulfilled, or sooner with an early ownership option. You also have the right to end the lease and return the merchandise to Snap.

Approval amounts: Approval amounts range from $300 to $5,000, subject to Snap’s qualification criteria. Not all applicants are approved.

What you need to apply: Be old enough to enter into a legally binding contract in your state, have an active checking account, a steady income of at least $750 a month, and a valid email address and smartphone number.

Cost: Snap doesn’t charge interest on lease-to-own agreements, but there is a cost of lease in addition to the purchase price. There may also be a processing fee or initial payment due the day you complete your purchase. Your agreement shows the exact amounts.

Availability: Snap lease-to-own is not available to residents of Minnesota, New Jersey or Wisconsin.

Ready to Roll?

Shop wheels and tires and choose Snap Finance at checkout. Learn more at Snap Finance.

Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with submitted applications, and your score with those agencies may be affected. The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including any early buyout promotions, you must make all regular payments on time and ensure the required amount is paid within the applicable timeframe through the customer portal or by contacting Customer Care at 1-877-557-3769. Early buyout promotions may include a cost of lease above the merchandise price. Snap lease-to-own agreements are not available to residents of Minnesota, New Jersey, and Wisconsin. The advertised service is a lease-to-own agreement provided by Snap RTO LLC.