Pay over time
Snap’s convenient plans are based on your paydays for an easy, stress-free experience.
No credit?¹ No problem.
Snap looks beyond your credit score, taking a fresh approach to creditworthiness. Apply with no impact to your FICO® score.¹
Instant shopping power
Take home a mattress today with approval amounts that range from $300 – $5,000.
Easy to apply
The application is quick, and you get a decision in seconds.
All you need to apply
Be old enough to enter into a legal contract
Steady monthly income of at least $750 or $1,000, depending on product
Active checking account
Valid email address and smartphone number
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.
¹Not 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.