{"app_store_id":1580164214,"slug":"snap-finance-1580164214","name":"Snap Finance","subtitle":"No credit? Shop now, pay later","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/b8/7c/5e/b87c5ebc-e8b1-dae2-20e8-743cdd8604d2/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/snap-finance/id1580164214?uo=4","price":0,"currency":"USD","rating":4.91429,"rating_count":29880,"in_app_purchases":false,"recent_rating":3.25,"recent_review_count":20,"reviews_checked_at":"2026-10-22T03:21:14.160Z","primary_genre":"Shopping","version_date":"2026-10-13T16:47:13Z","updated_at":"2026-10-22T03:21:14.160Z","stale":false,"missing_since":null,"one_liner":"Shopping app for applying to and managing lease-to-own financing of up to $5,000 for purchases such as furniture, tires","verified_maker":false,"maker_site":null,"file_size_bytes":98822144,"minimum_os":"15.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/fd/6c/b4/fd6cb440-7bfb-70af-c18d-635e84ebf289/0768be8f-a85b-4ae1-bbd9-6284d9c50766_App-Store-Preview-1242x2208-01.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/33/63/7c/33637cc6-be99-572e-d0b1-11661e706eae/7f13f467-35b2-4762-8010-04b1e2448b53_App-Store-Preview-1242x2208-02.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f8/2b/44/f82b44bc-caa9-e4e2-d660-65b9cb4665f7/50207bb6-ffb2-4a0b-ad7d-a90e138d8583_App-Store-Preview-1242x2208-03.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/61/e4/10/61e41014-7a96-2673-8b29-50da874ceea1/d7e2f34b-6403-412e-9420-464da2d37856_App-Store-Preview-1242x2208-04.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/99/28/63/99286380-291e-d50b-690f-4b217af21370/27435f30-ee48-4af3-9852-907c01326365_App-Store-Preview-1242x2208-05.jpg/392x696bb.jpg"],"developer_name":"Snap Finance LLC","editors_choice":false,"url":"https://apptierlist.com/apps/snap-finance-1580164214/","api_url":"https://apptierlist.com/api/v1/apps/snap-finance-1580164214","schema_version":"1.0","generated_at":"2026-10-22T13:24:18.321Z","data_as_of":"2026-10-22T12:05:13.142Z","description":"Snap Finance®\n\nNeed it now? It’s easy to apply in the Snap Finance app for up to $5,000 in lease-to-own financing. Get a decision in seconds. No credit needed to apply.\n\nAlready a customer? Download now to manage your lease.\n\nAPPLY IN MINUTES
\nIt’s quick and easy to apply in the app. Get a decision in seconds for up to $5,000 in lease-to-own financing.\n\nSHOP NOW
\nShop online or at a store near you for furniture, tires, appliances, electronics and more. Pay later. \n\nEASY LOG IN 
\nNo more passwords to remember. Log in quickly and securely with facial or fingerprint recognition.\n\nMANAGE PAYMENTS
\nMake an additional one-time payment using your credit or debit card or schedule a future one-time payment. You can also change or add a payment method at any time. \n\nVIEW TRANSACTIONS
\nSee your transaction history and your scheduled payments. \n\nACCESS YOUR LEASE DETAILS
\nReview information about your lease, repayment, and how to contact your retailer.\n\nEXPLORE OPTIONS
\nView details of your current ownership plan to determine if switching to a different ownership plan is right for you. \n\n\n\nThe 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.\nSome restrictions may apply on leasable auto parts, electronics, or sporting goods. Please check with merchants for details.\n\n1. Not 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.\n\n2. Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items.","facts":{"developer_id":1077803922,"developer_url":"https://snapfinance.com","first_released":"2023-03-30T07:00:00Z","support_url":"https://snapfinance.com/","privacy_url":"https://snapfinance.com/legal/privacy","website_url":"https://snapfinance.com/","app_version":"2.2.12132","release_notes":"Multi Bank: Link and manage more than one bank account.\nAutoPay: Set up automatic payments so you never miss a due date.\nNew payment flows: A redesigned, easier payment experience.\nDesign enhancements: A cleaner look and smoother navigation.\nBug fixes and performance improvements: Fixed identity verification and idle session issues, plus general stability improvements.","rating_current_version":4.91429,"rating_count_current_version":29880,"star_counts":[292,62,178,835,28378],"genres":["Shopping","Business"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-22T03:21:14.160Z","catalog_read_at":"2026-10-18T18:25:12.100Z","reviews_checked_at":"2026-10-22T03:21:14.160Z","summary_written_at":"2026-10-14T04:56:53.694Z","placed_at":"2026-10-14T00:51:45.596Z","scored_at":"2026-10-22T12:05:13.142Z"},"editorial":{"one_liner":"Shopping app for applying to and managing lease-to-own financing of up to $5,000 for purchases such as furniture, tires","what_is":"Snap Finance is a Shopping app for lease-to-own financing, provided by Snap RTO LLC. Users can apply in the app for up to $5,000, get a decision in seconds, and use the financing to shop online or at participating stores for items such as furniture, tires, appliances and electronics. The app also lets existing customers manage their lease, payments, transaction history and ownership plan options.","good_for":["Applying for lease-to-own financing for furniture or appliances","Paying for tires, electronics or other leasable items over time","Managing an existing Snap Finance lease, payments and transaction history"],"pricing":"Snap Finance is free, with no in-app purchases on the App Store.","faq":[{"q":"Do I need a credit history to apply?","a":"The listing says no credit is needed to apply. It also says Snap obtains information from consumer reporting agencies, and your score with those agencies may be affected. Not all applicants are approved."},{"q":"How much can I get?","a":"The advertised amount is up to $5,000 in lease-to-own financing. Approval amounts vary from $300 to $5,000, subject to underwriting, and apply only to the cash price of leased items."},{"q":"Is the service available in every state?","a":"No. The listing says lease-to-own financing is not available to residents of Minnesota, New Jersey and Wisconsin. Some restrictions may apply on leasable auto parts, electronics or sporting goods, so merchants should be checked for details."}],"model":"claude-haiku-5-5","created_at":"2026-10-14T04:56:53.694Z"},"memberships":[{"list":"buy-now-pay-later","list_name":"buy now pay later","list_status":"active","list_url":"https://apptierlist.com/best/buy-now-pay-later/","position":10,"tier":"A","score":83.3,"components":{"rating":98.3,"votes":84.8,"rank":50,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-14T00:51:45.596Z"}],"main_list":"buy-now-pay-later","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":116298,"at":"2026-10-16T02:24:51.811Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1580164214,"app":"snap-finance-1580164214","from":null,"to":"A","reason":"list left review: 6 or more members checked, ranked #4","job":"rescore"},{"id":105562,"at":"2026-10-15T14:59:00.691Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1580164214,"app":"snap-finance-1580164214","from":"A","to":null,"reason":"list under review: fewer than 6 members checked from the list's side","job":"rescore"},{"id":82087,"at":"2026-10-14T15:07:19.778Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1580164214,"app":"snap-finance-1580164214","from":"C","to":"A","reason":"score 83.4","job":"rescore"},{"id":73503,"at":"2026-10-14T01:05:49.786Z","kind":"tier_changed","list":"buy-now-pay-later","app_store_id":1580164214,"app":"snap-finance-1580164214","from":null,"to":"C","reason":"score 83.3","job":"rescore"},{"id":73184,"at":"2026-10-14T00:51:45.596Z","kind":"membership_added","list":"buy-now-pay-later","app_store_id":1580164214,"app":"snap-finance-1580164214","from":null,"to":"active","reason":"Lease-to-own financing of up to $5,000 for shopping at retailers, with 'Pay later' and scheduled payments, is the core purpose.","job":"shadow"},{"id":64975,"at":"2026-10-12T18:56:02.004Z","kind":"app_added","list":null,"app_store_id":1580164214,"app":"snap-finance-1580164214","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"buy-now-pay-later","list_name":"buy now pay later","status":"active","review_status":"checked","position":10,"tier":"A","score":83.3,"components":{"rating":98.3,"votes":84.8,"rank":50,"recency":100},"ranks":[{"country":"us","rank":11}],"verdicts":[{"verdict":"keep","reason":"Lease-to-own financing of up to $5,000 for shopping at retailers, with 'Pay later' and scheduled payments, is the core purpose.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-14T00:51:45.596Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-14T00:51:45.596Z","attempts":1,"current":true}]}]},"data_version":40915,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/snap-finance-1580164214/"}}