How to use snap finance virtual card


Obtaining and using a Snap Finance Virtual Card involves two clear stages:

Obtaining the Snap Finance Virtual Card:

a. Apply for lease-to-own financing:

  • Apply online at or through the mobile app.
Provide basic information like name, address, income, and employment details.b. Get approved:Upon approval, receive a lease-to-own agreement with terms and conditions.
  • Agreement includes the financed amount, repayment schedule, and interest rate.
c. Activate your virtual card:

Accept the agreement to receive a unique, single-use virtual card number.

Access the virtual card details through your Snap Finance account.

Using the Snap Finance Virtual Card:

a. Locate participating retailers:

  • Use Snap Finance’s store locator to find stores specializing in furniture, mattresses, tires, appliances, electronics, and jewelry.
b. Initiate checkout:
  • Proceed to checkout at the chosen retailer, online or in-store.
c. Enter virtual card details:
  • Select “credit card” payment option.Enter Snap Finance virtual card number, expiration date, and security code.
d. Complete the transaction:

Once card details are accepted, the purchase will be approved.

The agreed-upon amount will be debited from your account based on the lease-to-own agreement.

Can I use a snap finance virtual card anywhere?

No, you cannot use a Snap Finance virtual card anywhere. While it functions like a typical credit card during the transaction, it has specific limitations on where it’s accepted:

Accepted Retailers:

  • Snap Finance cards are primarily designed for specific categories of purchases, not for general use. They are accepted at stores specializing in:
    • Furniture
    • Mattresses
    • Tires & wheels
    • Appliances
    • Electronics
    • Jewelry
  • You can find participating merchants using the Snap Finance store locator
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Not Accepted:

  • General retailers: You cannot use your Snap Finance card at “big box” stores, department stores, restaurants, gas stations, clothing stores, and similar businesses that don’t focus on durable consumer goods.
  • Non-participating merchants: Even within the accepted categories,

How do I use snap finance at checkout?

The method for using Snap Finance at checkout depends on whether you’re shopping online or in-store at a participating merchant:


  1. Find a participating retailer: Use the Snap Finance store locator ( to ensure the online store offers Snap Finance financing.
  2. Add items to your cart: Select the items you want to purchase and proceed to checkout.
  3. Choose Snap Finance as your payment option: Look for the Snap Finance logo or banner during checkout. Click on it to initiate the application process.
  4. Complete the application: Provide your basic information and answer questions about your income and employment. You’ll receive an instant decision.
  5. Review and accept the terms: If approved, carefully review the lease-to-own agreement outlining the amount financed, interest rate, and repayment schedule. Accept the terms if you agree.
  6. Activate your virtual card: You’ll receive a unique, single-use virtual card number upon agreement acceptance. Store it securely.
  7. Enter virtual card details: During checkout, select the “credit card” payment option and enter your Snap Finance virtual card number, expiration date, and security code.
  8. Complete the purchase: Once the card details are accepted, your order will be confirmed, and the amount will be debited from your account according to the agreement.


  1. Confirm the store accepts Snap Finance: Check with the store or look for signage advertising Snap Finance financing.
  2. Select your items: Choose the products you want to purchase.
  3. Inform the cashier about Snap Finance: Let the cashier know you’d like to finance your purchase with Snap Finance.
  4. Apply through the store’s system: You might complete a quick application on a tablet or provide basic information to the cashier.
  5. Follow on-screen instructions: Similar to the online process, review and accept the agreement, activate your virtual card, and provide the card details for the transaction.
  6. Finalize the purchase: Once approved and the card is accepted, the store will complete your purchase.

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