Most Frequently Asked

Can I buy out my lease-to-own agreement early?

Yes. 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 chatting with our Customer Care team. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.

Will my FICO score be impacted?

Applying for a lease with FlexShopper will not impact your FICO score. However, failure to make timely payments may be reported and can negatively affect your credit.

Can I cancel my lease?

You can end your lease agreement by returning the merchandise to Snap Finance in good condition. This can happen at any time without penalty to you. This is not the same as returning or exchanging an item. To begin the process to cancel your lease and surrender your merchandise, you must contact the Customer Care team.

General Questions

How do I use FlexShopper?

• Apply— The application process is quick and easy and can be completed on your phone, tablet, or computer.

• Shop— With more options than ever before, you can access top brands for home, tech, lifestyle, and more.

• Ship — Once your lease is signed, products ship directly to your door or opt for store pickup on select items.

• Pay — Complete all of your convenient auto-payments according to the terms of your agreement. 

There are four simple requirements to apply.

• Be old enough to enter into a legally binding contract, which may vary by state or territory  
• Have an active checking account
• Have a steady income of $750 a month
• Provide a valid email address and smartphone number

If you can meet these requirements, you’re eligible to apply.

How long does it take to get approved?

Many applicants receive instant decisions, although timing may vary based on the product category and payment option. Some payment options may require additional documentation such as a government-issued ID or income verification.

My credit is not great. How good does my credit score need to be to apply?

We partnered with different companies to provide multiple payment options to find a solution that fits both your unique credit profile and the products you need. For any application, credit score paints only part of the picture. Income, time on the job, and various other aspects of credit history may come into play.

Can I get more than one product?

Yes, you may select any number of different products up to your approved spending limit, however, quantity restrictions may apply to the same products.

How much in lease-to-own financing can I be approved for?

Approval amounts range from $300 to $5,000 toward the cash price of the lease.

Do you pull my credit score?

Yes. Information is obtained from consumer reporting agencies in connection with applications, and your score with those agencies may be affected. Not all applicants are approved.

 What fees will I be charged?

We are committed to transparent pricing. Late fees/Insufficient funds fess (NSF)  may apply if a scheduled payment is missed or returned. Please refer to your agreement for complete details.

When are payments due?

Your scheduled payments are conveniently set up to align with your paydays. If you would like to change how often you make payments on your account, please chat with a member of our Customer Care team.

Can I ship to an address not listed on my account (e.g., work, family, friend)?

No. We can only ship your products to the address on the account, except products where store pick-up may also be an option. Store pick-up is subject to limited availability based on location and stock and can only be used by the account holder.

How can I get help or submit a complaint?

We are here to help you and would like to resolve any issues or concerns you may have. To submit a complaint, please chat with our Customer Care team.

Using FlexShopper

How does lease-to-own work? 

 With lease-to-own financing, Snap purchases the merchandise and leases it back to you for 12-18 months. Once you’ve fulfilled the terms of your lease, you obtain ownership of the merchandise. You may also obtain ownership earlier with an early buyout option.

Are there early purchase options?

Yes. 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 chatting with our Customer Care team. Early buyout promotions may include a cost of lease above the merchandise price. For details and limitations, including relating to applicable early ownership options, refer to your lease agreement.

How many lease payments will I have to make?

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 chatting with Customer Care.

Can I cancel my lease?

You can end your lease agreement by returning the merchandise to Snap Finance in good condition. This can happen at any time without penalty to you. This is not the same as returning or exchanging an item. To begin the process to cancel your lease and surrender your merchandise you must contact the Customer Care team.