Complaints

This profile includes complaints for Snap Finance's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Snap Finance has 2 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Snap Finance

  1193 W 2400 S Salt Lake Cty, UT 84119-1547

• 

  Snap Finance

  PO Box 26561 Salt Lake City, UT 84126-0561

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:07/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased tires and used Snap finance, we were told there would be a 39.00 processing fee, the receipt has that written on it. When I looked into my email, I see there is an additional 59.00 fee to own the product. I called billing and they told me that along side the processing fee which is just for the application the finance fee to relinquish ownership of the product would be 59.00 dollars.
  We were told that if we took the 100 day option there would be no additional fees, like a same as cash option. It turns out that now there are all these other options associated with this invoice.
  I understand having to pay 400 for the product , we were told about the 39.00 processing fee and everyone pays taxes, but this new mysterious 59.00 dollar fee to own the product? This was not told to us, we were misled but now the company doesn't want to do anything about it. I believe that they have a responsibility to their customers to explain the charges in full, rather than springing additional fees. I could have just put it on my credit card, but we were told it was the same as cash as long as its paid within 100 days with a processing fee. We were lied to.

  Business Response

  Date: 07/24/2025

  We apologize for the experience ****** and ***** ******** have had with Snap Finance.

  We understand *****’s concerns regarding the cost of the 100-Day Option. Upon approval of ******’s application, a link to the rental-purchase agreement was sent to the email address and mobile number provided at the time of application. This link directed ****** to a lease summary page that clearly outlined the key terms of the agreement—including the type of transaction, lease duration, payment schedule, Cost of Rental, total amount to be paid over the 18-month lease, and the cost of the 100-Day Option.
  
  While we acknowledge that ****** may not have thoroughly reviewed the agreement at the time of signing, we would like to emphasize that all pertinent information was presented within the first two pages of the document. Our records indicate that the agreement was signed using ******’s mobile device. To complete the electronic signature process, the document must be scrolled through in its entirety, ensuring that all terms, including those pertaining to the 100-Day Option, are visible to the signer. Furthermore, after the agreement was signed, we sent a welcome email that included the date and amount of the first lease payment, as well as access to the Customer Portal for managing their lease. This email outlines the lease term (18 months) and details early ownership options, including the 100-Day Option price.
  
  We have previously communicated this information to ***** via email and clarified that the cost associated with the 100-Day Option cannot be waived. ****** and ***** still have the opportunity to take advantage of the 100-Day Option, which remains available until October. If the remaining balance is paid in full on or before the expiration date, the account will be considered paid off under the 100-Day Option.
  
  If ****** and ***** have any further questions, they are welcome to contact us at ***** ********.

• Initial Complaint

  Date:07/15/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I had 2 loans taken out through snap and I was intentional on paying both prior to the 100th day. There was a payment trying to come out of my account, but for some reason it did not clear. My bank notified me immediately and I logged into my snap account to fix the payment and pay off the balance. My balance was $117 and some change. I paid it off. Got an email saying my account was paid off. I did get an email four days later stating my payment of $108 did not clear, but I took that as a late notification from Snap that I already addressed. My second loan was paid off without issue.
  I noticed money is still being deducted from my account. I called customer service and was told that my account was reopened because I missed a payment of $108. I stated that I corrected it by logging into my snap account and fixing it immediately and paid off the balance. The woman then told me that the balance on my account did not reflect the $108 as it was already cleared. I asked her how was it not included in the balance as it did not clear, which is why I logged on seconds after and made the final payment. After going back and forth, the agent tells me I can pay astronomical amounts of money to “settle” the account or I can pay an additional $2000 to pay it in full. I told them I cannot do that and was told they could not assist me and I needed to talk to customer advocacy. I was supposed to get a call from customer advocacy and did not. Instead I got a text asking me to call Debbie and ask for her directly. I called and after waiting on hold for over 20 minutes, I was told I was being handed over to her colleague as she was not available. After speaking to the colleague about my situation for an addition 25 minutes, this man tells me he cannot help me and I have to wait for ******** department to reopen the following day. I asked why did I have to do that if I was talking to her colleague and he states he isn’t her colleague, he is just customer service. Everyone is misleading

  Business Response

  Date: 07/22/2025

  Good Afternoon,

  We apologize for any inconvenience experienced by ***** ****** with Snap Finance, and the reinstatement of the 100-day payoff option. We take all concerns seriously and initiated an internal investigation promptly upon receiving the issue.
  We initially were able to contact Karin and offered a suitable solution that may meet their needs. We have been able to communicate the resolution to their concern via email.

• Initial Complaint

  Date:07/09/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed a lease-to-own agreement with Snap Finance for 1800 on Feb 11, 2024 under the 100-Day Option. By march I had paid I was operating under the impression that the 100-and I had planned to make the final payment I discovered that, they have placed me into the Early Buyout Plan with an additional balance of over $4000 stating that the deadline for the 100-day Option was May, I was NOT AWARE of, Snap is now charging more than the original amount, effectively doubling the total cost but more. There was not a clear deadline communication. The May as the 100-Day mark was Not stated anywhere in the agreement I signed, nor they mentioned it to me as the deadline was approaching. I was not given a contract. They have refused my request to pay my original balance. Now July 2025 I’m about 4,100 into payments I didn’t allow and they’ve been taking out 57 every week. Please help me..

  Business Response

  Date: 07/15/2025

  We’re sorry to hear about ***** ******** experience with Snap Finance.

  We take concerns like this very seriously and appreciate the opportunity to review the case in detail.

  Despite our efforts, we were unable to reach ***** by phone, text, or email. As a result, we have sent a formal email outlining our proposed resolution.

  If ***** has any additional questions, they can reach us at (**** ********.

• Initial Complaint

  Date:07/07/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am 69 years young on a fixed income of 1489 per month which they saw. Leegally disabled medically and physically. When I applied they gave me a figure nof 182.0, Then chenged to 337 when I got the furniture stating I could pay off in 3 months if I wanted to defray tge 3500 interest fees. This is robbeyr. I 9want the 182 they quoted so i c4an pay my rent and eat each month no more than 200.00

  Business Response

  Date: 07/10/2025

  We are sorry to hear about the experience **** ****** has had with Snap Finance.?

  We take complaints like ****’s with the utmost seriousness and appreciate the opportunity to review their case.?

  We were able to contact **** by phone and we are pleased to inform that we reached an agreement with **** and successfully provided a satisfactory resolution. Details of the resolution were shared with **** via phone and email.

  We understand that **** initially saw a lower monthly payment amount during the application process and believed that would be their regular payment. However, the amount displayed at that stage was only an estimate and not a finalized payment amount. The full terms and payment schedule are presented to the customer before the account is completed, and the customer must review and agree to those terms before proceeding.

  If **** has additional questions, she can reach us at (**** *********

• Initial Complaint

  Date:06/24/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Two mattresses were purchased with a 100 day same as financing option. The company initially did NOT honor the sign up. When called they placed the purchase into the 100 day same as cash financing. PRIOR to the 100 days the ENTIRE amount was paid with confirmation from the bank that the amount had been received and check cashed by Snap PRIOR to the date due. Repeated contact has been made to Snap and yet they continue to demand additional funds. When sent an email requesting proof that the payment WAS NOT received on time they refuse to respond and simple state it has not been paid. The latest amount due is $239.29. It continues to increase each month. This has been going on for MONTHS. They refuse to show what they did with the payment simply saying "the amount of the 100 days option was not received on time, so that's why there's still a balance on the account."

  Business Response

  Date: 06/27/2025

  We sincerely apologize for the experience Eileen Heinkel had with Snap Finance. We take concerns like this very seriously and appreciate the opportunity to review the case. We were able to contact the customer via email and have provided the available resolution options. If Eileen has any additional questions, they are welcome to contact us at (877) 557-3769.

• Initial Complaint

  Date:06/21/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have a loan from snap finance in which I owed 650 dollars, I was under the impression that I was paying biweekly payments to pay it off within the 100 days in which now the 650 is more than doubled, I am on a fixed income and can't afford to pay money that will triple and double so rapidly I don't see how this is even legal I thought my payment would satisfy the amount in the 100 days and that I would be free and clear and I'm not I am requesting that the 550 that I owe be paid and I walk away. When I signed up for it I wasn't told that the Money owed would be double in a weeks time and I feel it's very predictorol and it's keeps you trapped! Give me the option to pay off what I owe because I didn't understand the terms of this loan!!

  Business Response

  Date: 07/03/2025

  We are sorry to hear about the experience ******* Spanielewski had with Snap Finance.

  We appreciate the opportunity to review their case and address the concerns raised in the complaint. The customer stated they believed their biweekly minimum payments would satisfy the loan within the 100-Day Option period and were unaware the balance could increase beyond that timeframe.

  Upon review, we confirmed that all required loan terms and disclosures were provided at the time of agreement through the customer's registered email and phone number. Additionally, our records show the customer accessed the loan payment portal, where account balances, payment history, and the 100-Day Option deadline were clearly displayed.

  While we are unable to retroactively apply the 100-Day Option, we have made a one-time exception to help the customer resolve the account due to their financial hardship and intent to fulfill the obligation. We were able to communicate directly with the customer via email, and through that correspondence, we reached a mutually agreeable resolution.

  We remain committed to supporting the customer and encourage them to contact us at ************** with any further questions.

• Initial Complaint

  Date:06/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We purchased furniture with snap finance. We put $1200 down in cash on a couch set, double bunk bed, and new queen sized bed. Total was $4300 so we financed the rest with SNAP finance. We set up the 100 day payoff option which were bi weekly payments of $600. We made all payments on time and the last payment was rejected from our bank for a potential fraud as we had multiple large charges go through. SNAP didn't let us know the last payment was rejected. We had confirmation of final payment. 2 weeks later a payment was pulled so we called. They said last payment was rejected and therefore we lost our 100 day buy out an now they want us to pay an excess of $3300 to settle the account! We tried customer service which we were transferred around and then told them we wanted to return the furniture so transfer us to manager. When she answered we told her we were going to record the conversation and they hung up on us! We have already paid 5K out of pocket for the the furniture and they want us to pay over $3300 more. No freaking way. That makes this furniture over $8300 for just basic furniture. It's disgusting what they are doing. All of the complaints are the same exact issue. Now they hang up on us when we ask to return the property.

  Business Response

  Date: 06/30/2025

  Thank you for the opportunity to respond to the complaint submitted by ****** *******.

  
  We appreciate the customer bringing this matter to our attention. The concern has been reviewed and escalated to our Special Handling Team for further support. The customer will be contacted directly to discuss next steps related to their request to cancel the account.

  
  We have also provided the customer with the contact information for our Special Handling Team in case they have any additional questions about the process or need an update. We remain committed to ensuring a fair and timely resolution.

• Initial Complaint

  Date:06/18/2025

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I signed a lease-to-own agreement with Snap Finance for $3,535 on Feb 11, 2025 under the 100-Day Option. By May 17, 2025, I had paid $3,226.90 (over 91% of the original balance). I was operating under the impression that the 100-Day Option ended in May, and I had planned to make the final payment of $309 on May 30th. On May 30th, I discovered that, they have placed me into the Early Buyout Plan with an additional balance of over $4,100, stating that the deadline for the 100-day Option was May 27. Thus, for just 3 days late of which I was NOT AWARE of, Snap is now charging an early buyout of $3,271.07, almost equal to the original amount, effectively doubling the total cost. There was not a clear deadline communication. The May 27 as the 100-Day mark was Not stated anywhere in the agreement I signed, nor they mentioned it to me as the deadline was approaching. On June 2, 2025, Snap deducted $221.15 automatically which is the bi-monthly payment. Thus, the balance of $309 dropped to $86.95. I called Snap Finance, sent emails and a letter to request that they honor the original 100-Day Option, allowing me to pay the final $86.95 to close my account. They have refused my request.

  Business Response

  Date: 06/25/2025

  We regret that ***** ***** had a less-than-satisfactory experience and appreciate the opportunity to review and address the concerns shared.

  
  Our team attempted to contact ***** ***** by phone but was unable to reach them. As a result, we have provided a detailed resolution via email for their review.

  
  If ***** ***** has any questions or would like to accept the resolution, we welcome a response to the email communication at their convenience.

  
  We remain committed to assisting and resolving this matter professionally and respectfully.

• Initial Complaint

  Date:06/10/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I placed an order with a furniture store and received approval from Snap Finance for the furniture. I changed my mind about getting the furniture and contacted the merchant and Snap Finance to cancel the delivery and purchase of this furniture. This has been over a week and both parties are refusing to cancel the order. I never set up delivery for the merchandise and never received any merchandise so this is illegal and frustrating.

  Business Response

  Date: 06/13/2025

  We sincerely apologize for the experience that ********* German has encountered with Snap Finance.

  We acknowledge *********** concerns about the closure of her account. We are pleased to inform you that ********* has worked with our Special Handling Team, who successfully closed her account. As a result, ********* no longer has any obligations with Snap Finance related to this account.
  
  If ********* has any further questions or concerns, she can reach us at **************.

• Initial Complaint

  Date:06/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This loan was for auto repairs done my Phins Auto Service in Roanoke, VA 24012
  A payment for 40.96 that was initially rejected by Wells Fargo was successfully submitted on January 6th for the 100-day option loan through Snap Finance. I paid the last payment of 40.96 February 3, 2025. I thought the account was paid in full after emailing SNAP. Three months later, on June 6, 2025, I received a text message stating I owe money. I agreed to 28.11 and that is it. This company wants me to pay 205.00 for one missed payment of 40.96. This can’t be legal!!! I’m not paying them anymore money after today’s payment of 28.11. I plan to change my checking account information…

  Business Response

  Date: 06/17/2025

  Good Afternoon,

  We apologize for any inconvenience experienced by ***** **** with Snap Finance, and the expiration of their 100-day payoff option. We take all concerns seriously and initiated an internal investigation promptly upon receiving the issue.

  We were initially able to speak with *****, but have been unable to connect to provide voice confirmation of our findings. This information has been communicated to them by email.

  Should ***** have any questions, our team can be reached at ************ during our business hours, which are Monday to Friday, 8 AM to 5 PM (MST).