Subject to credit approval. Minimum monthly payments are required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promotional balance if it is paid in full within the applicable promotional period. If the promotional balance is not paid in full by the end of the promotional period, interest will be charged from the purchase date. The required minimum monthly payments may or may not pay off the promotional balance before the promotional period ends. Regular account terms apply to non-promotional purchases and to any remaining promotional balance after the promotional period ends. Promotional financing offers available at the time of purchase may vary. See store for details. Credit is extended by Synchrony Bank.

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. 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.

Approval amounts vary and commonly range from $300 to $5,000, subject to underwriting, and apply to the cash price of eligible leased merchandise. As of February 2023, the average approval amount received by a customer was $2,900.

The default Maximum-Term Plan generally includes renewable terms of 12 to 18 months and is the highest-cost ownership option. The agreement includes a Cost of Lease above the cash price of the merchandise. Early ownership options may reduce the total cost. To exercise an early ownership option, customers must make all scheduled payments on time and satisfy the required amount within the applicable timeframe through the customer portal or by contacting Snap Customer Care at 877-557-3769. Refer to the individual lease agreement for complete terms, costs, restrictions, and limitations.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, or WY.

*No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

**Standard agreement offers 12 months to ownership. The 90-day and other early purchase options cost more than the retailer’s cash price, except for the 3-month option in California. To purchase early or cancel a lease, customers must call 877-898-1970. The retailer cannot activate early purchase options.

The initial payment, plus tax, is charged at lease signing. Remaining lease payments will be determined upon item selection. A reduced initial-payment promotion does not lower the total cost.