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Reviews 815
Julie Wheeler
Feb 12,2025Don't waste your time with this company. I originally had a great experience when I bought a mattress in 2023 through snap fiance and then I had some major life changing events in January of 2024, I won't go into detail on those events but loss of my job, car accident, settlement check and a big move out of state were the gist of it. When the settlement check hit my bank account I paid off what I owed Snap Finance for this mattress, the total was around $1200 but I had made a few payments already. I paid some other bills and then my bank account got shut down as I had been without a job and it had been in the negative because of those life changing events. Skip forward to August of 2024 and I'm 7 and a half months pregnant with my high risk son who has a complex heart condition and I get a phone call from someone trying to collect a debt to snap finace... They had been apparently sending me letters in the mail but I never responded because it wasn't even my current address and all that time they had my phone number but couldn't call me till August. The person on the phone kept threatening me that they were gonna take legal action but wouldn't say what, basically stress a 7½ month pregnant woman doesn't need when her child may or may not even survive to term. As far as I know the remaining balance was paid. I explained this to whoever I spoke to and they seemed to have understood the situation and I didn't hear from them again till today Feb 2025. They say I owe $1600 because it gained interest but again I was under the impression it was paid off. No one reached out to me till August 2024 to tell me that payments stopped January 2024/December 2023. They will screw you over and lie about you making your payments because as the man said "they're a million dollar company" if they're a million dollar company and they're coming after me for maybe $700 that I thought was paid off in full that's ridiculous. They purposely let it gain interest so it's a higher amount owed than it was when I was first approved and everything I paid was useless. I have bigger priorities right now with an almost 5 month old child in the hospital in serious condition, I don't have the money to pay off a loan that I was sure was already paid when I have medical bills and a place to live to worry about. They don't even give you any attempt to work out a solution, they want the money in full right then and there or "they'll take legal action" just money hungry jerks who make millions and wanna screw over the people who don't have a lot of money.
Maricela Solis
Feb 11,2025Snap Finance allowed me to get Financial without credit check when I needed it the most , my Four tires and one Rim where completly damaged I had to call the tow and left my vehicle at the tire shop for them to work on it the next morning. I am very happy with the fast and easy financing process. I Would happily use the ir service again!!😀
Eric
Feb 10,2025In our case we are actually proceeding to Sue Snap Finance. Before using they're services we made some calls and found our interest would be between 30 and 40 percent. That's already really high but we needed it and agreed. However.... after signing all paperwork you then get your "updated terms" yes you read that right. AFTER. Not agreed upon. Updated financing is 175 percent. Never in a million years would have agreed to that. This is illegal form of business and violates a customers rights as a consumer. They don't care. It's not harming them. Needless to say, the 3,500 we borrowed is gonna either get completely canceled or as a legal claim is held they will simply be informed to pay us 10 grand. Don't do business with lies, cheats, and scams.
Leah
Feb 10,2025Ppl on here are complete liars not legit reviews I have paid and paid and my balance as risen there's no paying this company off
Paty
Feb 05,2025Overall it’s fast and easy to use very simple and their 100 day payout method is also very convenient
Winston Castillo
Feb 02,2025Getting approved with Snap Finance was a quick and hassle-free process, even without a credit check. I appreciated the flexible payment plans and found the customer service team to be responsive and helpful whenever I had questions. The variety of partnered retailers provided some good options, but I was disappointed that there were no electronics stores with quality selections. I also couldn’t use the remaining credit to purchase an iPhone, which limited my buying options. Expanding their retailer network to include better electronics stores would make the service even more valuable.
Eveuxlootion Media
Jan 29,2025Snap finance came through in a moment of urgency however, they lied over the phone when it was time for me to settle my account, they kept transferring me to people that all said the same things and kept changing the days for when I was able to settle. When I did want to speak to somebody located at the snap finance main office which is located in the United States according to their website all they were able to say is that they couldn’t accommodate that. And if I wanted to speak to somebody higher I had to wait for a call back. It was a good service for emergency but horrible when it comes to flexibility or conflict resolution.
Alex Wheeler
Jan 27,2025Snap finance allowed me to get financing without a credit check when I needed a car repaired that I wasn’t prepared to pay for. I’m very happy with the financing process and I’d happily use their services again!
Frustrated
Jan 22,2025I received a letter that ALL of my information was retrieved by an unauthorized third party. Then continue to tell me how I need to monitor my credit due to their lack of IT capabilities. I am contacting my legal team. If anyone else has had the same we can work together. This is not legal.
Flower Lover
Jan 20,2025It's unfortunate that the criminal incoming administration is doing away with the CPFB, because Snap Finance should be sued for violating usury laws. The interest rates are outrageous and this company particularly preys on low income, minority borrowers. I recommend NOT USING, this company.
Michael Simpson
Jan 20,2025We have had 3 separate loans with snap and we have spent thousands we have always paid on time never missed payments or anything so we have decided to get a new settee and the wife went on our snap and she has no log in now or anything we have just finished paying our last lot off so she tried putting details in and it came up saying sorry you can not have a snap at this time...I think it is a joke really we love snap and now they will not entertain us why do they do this we both work full time aswell always have......
Derek Burns
Jan 16,2025Great working with me & easy enough.
Yennsy Martínez
Jan 14,2025Customers, please do not obtain loans from this financial institution, they do not explain the policies and in the end they treat customers poorly and charge them three times the loan amount, the highest interest rates on the planet, it is an abuse. Today I have had a terrible experience, that is why I do not recommend Snap Finance.
Aisha Hightower-Hall
Jan 10,2025I purchased product April. 2024, costing $2,300, paying $325.06 per month. I was told there would be no interest but a small cost of living fee. However, I found out recently that my final payment 18 months would be $5,880.92. If I pay today, Jan. 9, 2025, I would have to pay $1,820.20. I have already paid $3,250.60 which is way past what was owed. I would never used this company again and suggest no-one else does. They don't even have a mailing address, only a P.O.Box. The customer service department is out of the country, Dominican Republic, Puerto Rico, etc. I wish I could give them a zero rather than a 1 I feel I have been robbed. Better Business is next, then the Texas Attorney Generals office.
Franklin
Jan 09,2025I will use Snap finance again,I was struggling financially when I applied and I was approved and It was easy and fast I did everything online with no issues,i definitely recommend it.
Joseph Conteh
Jan 09,2025Their application process is quick and easyy. The customer service team is always friendly and helpful, and I appreciate the flexible payment plans that fit my budget. Plus, everything is transparent with no hidden fees. Highly recommend!
Shar
Jan 09,2025I really enjoyed being able to pay off my balance online and see exactly what was left to pay
Michaela Chandler
Jan 07,2025Never use snap finance. If I could give no stars, I would. I went to snap finance because I needed to repair my car. I decided to pay off the debt within the 100 days. I did in 2 payments.a third payment was supposed to go through but the person I spoke with got confused about how to handle it when I told him I wanted to pay it all off. So he stopped that one and assured me that we were done. I didn't owe anything. 6 months later, I get a phone call telling me I owe them $100 dollars! After about an hour of yelling at them, I realized what happened. I paid them. Don't use snap. Update: The response below means nothing.
Robert Mendoza
Jan 01,2025Horrible payment options this is highway robbery 100 days to pay loan or you have to pay double amount, the biggest scam,these people need to go to jail. Better off using Zip
Chris Belcher
Feb 12,2025I agree with the others these reviews are complete BS! I had my brakes go out & a simple brake job turned into 1,895 no fault of Snap finance it started with the shady mechanic, but then I didn't have that kind of money laying around so they suggested Snap with an almost guaranteed approval so I applied for it and this is where it starts. They didn't give me the final apr rates until I signed all the final paperwork then I discovered an 1,800 repair is going to cost basically 5,000 if I don't have it paid off by March 3rd. I'm thinking about suing them as well, becuase this is predatory lending. And as soon as they respond back with they have no details of my account I'll upload the finalized documents showing how they are ripping people off.