Snap Lease-to-Own for Wheels & Tires
Credit challenged? Lease-to-own your wheels and tires with Snap
Wheels Below Retail has partnered with Snap Finance, a lease-to-own provider. No credit history required.1 Apply in minutes, get a decision in seconds, and shop with approvals from $300 to $5,000.1
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. 1 Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and scores with those agencies may be affected. Approval amounts may vary and are subject to underwriting qualification criteria.
"Snap! Lease-to-own, pay over time" at checkout
Apply online
Apply before you shop, or at checkout
Apply online with Snap in minutes and get a decision in seconds. Then add your wheels and tires to the cart and choose "Snap! Lease-to-own, pay over time" at checkout.
Why Snap
Simple. Convenient. Flexible.
Simple
Apply in minutes and know in seconds if you're approved. Approvals from $300 to $5,000.1
Convenient
All credit types are welcome to apply, and applying won't affect your FICO score. Snap looks at more than credit scores. Not all applicants are approved.1
Flexible
Scheduled payments line up with your paydays, and you can set up automatic payments in the Snap app.
Why Snap
How lease-to-own works
Snap buys the merchandise up front and leases it to you. Once you've made all your payments, or used an early purchase option, it's yours. Snap doesn't charge interest on a lease-to-own agreement, but there is a cost of lease in addition to the purchase price, so leasing usually costs more than paying cash. A processing fee or initial payment may be due the day you complete your purchase.
Snap has your back
Choose how you own your setup
Default plan
Maximum-Term Plan
Snap's default plan, with regular lease payments. This is your highest-cost option.2
Early ownership
100-Day Option
Pay the required amount within the first 100 days, with all regular payments made on time, to save on lease costs. It may include a cost of lease above the merchandise price.2
Early ownership
Early purchase after 100 days
Early purchase options may still lower your total cost, as long as all regular payments are made on time. Contact Snap for your amount.2
2 The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option may include a cost of lease above the merchandise price.
How it works
Using Snap at Wheels Below Retail
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Apply with Snap
Tap Apply with Snap. It takes a few minutes, and you get a decision in seconds. You can also apply when you check out.
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Build your setup
Add wheels, tires or a wheel and tire package to your cart.
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Choose Snap at checkout
Select "Snap! Lease-to-own, pay over time" as your payment method, review your lease terms and sign your lease. A processing fee or initial payment may be due that day.
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We ship your order
We process and ship your order, and you make your lease payments to Snap.
Before you apply
What you'll need
- Be old enough to sign a legally binding contract in your state
- An active checking account
- Steady income of at least $750 a month
- A valid email address and smartphone number
Built for your setup
Wheels, tires and full packages
Check fitment first
Make sure your setup fits before you check out. See wheels and tires on your vehicle in our visualizer, or find wheels by year, make and model, including leveled and lifted setups.
Wheels and tires in one checkout
Put wheels, tires or a full package in one checkout and choose Snap. If you're approved, Snap approvals range from $300 to $5,000 and depend on underwriting.1 If your order is more than your approval, call or text us.
What your lease covers
Snap leases merchandise and does not give cash. Not every item or charge may be covered. If your order includes a lift kit or other parts, installation or other services, ask us before you check out.
Questions
Snap Finance FAQ
Is Snap a loan?
No. At Wheels Below Retail, Snap is a lease-to-own agreement provided by Snap RTO LLC, not a loan. Snap buys the wheels and tires and leases them to you. Once you've made all your payments, they're yours.
Does applying affect my credit?
Applying won't affect your FICO score, and no credit history is required. Snap obtains information from consumer reporting agencies, and scores with those agencies may be affected. Not all applicants are approved. In plain terms: applying is not a FICO hard inquiry, but Snap does check your information with consumer reporting agencies, and the scores those agencies keep can be affected. Approval is not guaranteed.
What does it cost?
Snap does not charge interest on a lease-to-own agreement. However, there is a cost of lease in addition to the purchase price. This cost varies by customer and residential state, and it will be detailed in your agreement and disclosures. A processing fee or initial payment may be due when you complete your purchase. Leasing usually costs more than paying the cash price, and the Maximum-Term Plan is the highest-cost option.
Can I return the wheels or end the lease?
You can end the lease at any time, without penalty, by returning the merchandise to Snap in good condition. Wheels and tires that have been mounted or driven on may not meet that standard, so check your lease agreement before you install. That is separate from a return or exchange with us, which follows our refund policy.
How long is my approval good for?
Approvals may be valid for up to 60 days. Check your own approval terms in the Snap app or portal.
Other ways to pay
Prefer a different partner?
Questions about paying over time?
Call or text us and we'll help with your order. Each provider makes its own approval decision.
Important information
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. Not all applicants are approved. While no credit history is required, Snap obtains information from consumer reporting agencies in connection with applications, and scores with those agencies may be affected. Approval amounts may vary and are subject to underwriting qualification criteria.
The default payment plan is the Maximum-Term Plan, which includes 12- to 18-month renewable terms and is your highest cost option. To exercise an early ownership option, including the 100-Day Option, customers must make all regular payments on time and ensure the required amount is paid within the applicable timeframe via the customer portal or by contacting Customer Care at 1-877-557-3769. The 100-Day Option may include a cost of lease above the merchandise price.
Snap does not charge interest on a lease-to-own agreement. However, there is a cost of lease in addition to the purchase price. This cost varies by customer and residential state, and it will be detailed in your agreement and disclosures.
Snap Customer Care: 1-877-557-3769
Lease-to-own options are provided by third parties and are subject to their approval. Wheels Below Retail is not a lessor and does not make approval decisions. Approval amounts, terms and fees vary by provider, your purchase and your application. Lease-to-own is not a loan: you do not own the merchandise until all lease payments are made or you use an early purchase option, and owning through a lease usually costs more than the cash price.