What Is Lease-to-Own?
Lease-to-own financing lets you get products today and pay over time through scheduled payments. Lease-to-own financing for items on the Flexshopper website is provided by Snap Finance. Snap purchases the merchandise and leases it to approved customers. When all required payments are completed, you obtain ownership of the merchandise. Early ownership options may also be available⁴.
Most Frequently Asked Questions
Can I buy out my lease-to-own agreement early?
The Maximum-Term Plan includes 12-18 month renewable terms. Customers can choose early ownership options that lower overall lease costs. 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 at 855-353-9289. 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 Snap Finance will not impact your FICO®️ Score. Not all applicants are approved. No credit history is required. Snap obtains information from consumer reporting agencies in connection with your application; this does not impact your FICO® Score, though other credit scores may be affected.
Can I return the merchandise?
Returns are accepted in line with Snap's merchandise policy. To get started, email customer@snapfinance.com
Estimate Your Payments
What Is FlexShopper?
Since 2013, FlexShopper has helped customers shop for the products they need through its online marketplace. Lease-to-own financing is provided by Snap Finance, allowing approved customers to pay over time. With over 100,000 brand-name products and a simple, straightforward process, shopping is easy.
Customer Satisfaction
We prioritize your satisfaction with dedicated customer support and flexible plans tailored to your lifestyle.
Wide Product Selection
Shop from 100,000+ top products such as electronics, furniture, appliances, and more — all in one place.
No Surprises
Apply in minutes with no credit needed³, and enjoy weekly, biweekly or monthly payments with clear terms outlined in your agreement.
How It Works: A Smarter Way to Shop
Step 1: Apply
The application process with Snap Finance is quick and easy and can be completed on your phone, tablet, or computer.
Step 2: Shop
Browse a wide range of products across categories like electronics, furniture, and appliances, all in one place.
Step 3: Sign & Ship
Review, Sign and Ship - Review and sign your Snap Finance lease agreement from your device. Sit back and relax while your products ship straight to your door.
Step 4: Payments
Set up automatic payments to stay on track. Once all required payments are completed, you obtain ownership of the merchandise.
Shop Our Best Deals
Explore the products customers are loving, from top-rated picks to current offers
Buy now, pay over time
| Monthly |
Lease To Own |
|
| Term | 12 monthly payments | 52 weeks |
| Recurring Payment | $83.33/mo | $29.81/wk |
| Estimated Total Paid | $1,000.00 | $1,550.00 |
| APR | 0% | N/A |
| Eligibility | Available for customers with a qualifying credit profile. | Available for most customers. |
| APPROVAL REQUIRED | APPROVAL REQUIRED |
If you you don’t qualify for this offer, we may have flexible weekly payment plans tailored just for you!
All prices shown are monthly payments. Please note payment amount could change based on the frequency of payments required by applicable payment solution providers.
If you choose the 90-Day Same As Cash Early Purchase Option, you must pay off the merchandise within 90 days. By doing so, you won’t incur any rental fees.
The payment is only an estimate, other pay frequencies are available in your agreement. The above estimates assume the required payments are received timely and there are no taxes or other ancillary charges added to the purchase amount. For complete terms and conditions of the required minimum payment calculation, please refer to the agreement.
Shop What You Love, When You Want with FlexShopper
Whether you’re shopping online or on your phone, FlexShopper makes it easy to find the products you want. Lease-to-own financing is provided by Snap Finance, allowing approved customers to pay over time.
Find what you’re looking for all in one place.
