The lease-to-own agreement offered by Snap RTO LLC is a financing option not available to residents of Minnesota, New Jersey, and Wisconsin.

While no credit history is required, Snap obtains information from consumer reporting agencies in connection with the lease-to-own application. Not all applicants are approved.

As of February, 2023, the average approval amount a customer receives is $2,900.

Standard, maximum lease-to-own term is 12-18 months, and includes a Cost of Lease above the cost of the merchandise. To exercise one of our early ownership options, customers must call Snap Customer Care at 877-557-3769 and then complete all payments within the contracted number of days. Learn more by chatting with us.

Some restrictions on leasable auto parts and services may apply. See merchants for restrictions. Snap lease is not available at auto-related merchant locations in some states.