Complaints

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

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  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:05/10/2025

  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.

  I am disputing the 100 day. Period. Option I called snap finance several times to make my payment and every single time they wanted me to pay the early buyout option. I also emailed them explaining the situation and no one has gotten back to meto resolve and like I explained before I needed to pay the 100 day period. Option in full and they will not take the phone

  Business Response

  Date: 05/20/2025

  We sincerely apologize for the experience that ***** ***** has had with Snap Finance. 
  After a thorough review of the account, we confirmed that the 100-Day Payment Option was available and properly offered to the customer. We found no error on the part of Snap Finance in the handling of the payment terms. As a one time courtesy a settlement offer was approved to provide ***** with the lowest option to close this account. Unfortunately we could not contact ***** ***** by phone, this resolution has been communicated directly to the customer via email.
  We will remain available and ready to finalize the resolution should the customer choose to accept the offer. If ***** has any additional questions or needs further assistance, we encourage her to reply to our message or contact our Customer Service team at the number provided.

• Initial Complaint

  Date:04/30/2025

  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.

  Date of Purchase:12/3/2024 Purchase Price: $1,980 Snap Finance was the provider of the contract. Details on the contract were very vague and not very informative. Purchased the goods, been making all payments on time and have made $1,250 dollars to date on a $1980 purchase. Now i know there is interest and fees but i just looked and if i make a payment today to get out of the contract, i owe them $2250 which makes the total $3500 for a $1950 purchase. PLEASE READ ALL FINE PRINT. They are crooks and i will never use them again.

  Business Response

  Date: 05/05/2025

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

  We understand ******** concerns regarding the cost of the agreement, and we would like to clarify how the Rental-Purchase Transaction operates. Snap Finance purchases the merchandise from the merchant, allowing the customer to utilize it while making affordable payments. Once the terms of the lease are fulfilled, the customer obtains ownership of the item.

  After ******** application was approved, a link to the Rental-Purchase Transaction was sent to the device used for submission. This link directed him to a lease summary page that outlined all the key terms of the agreement, including the nature of the transaction, the duration of the 18-month agreement, the number of payments, the payment amount, the Cost of Rental, and details regarding the 100-Day Option.

  Following the approval process, we sent a link via email to the address provided in the application. To proceed with the agreement, ****** needed to click on the link and manually enter the product details along with the total transaction amount. Snap Finance then populated these values into the Rental-Purchase Transaction, presenting the terms in a summary view for ******** review and acknowledgment.

  We believe that Snap Finance adheres to all applicable laws and regulations, and that ****** was given timely information to make an informed decision regarding the Rental-Purchase Transaction.

  We have made attempts to reach ****** by phone to discuss this complaint and have also sent an email requesting contact to review the agreement, account details, and to clarify any confusion.

  If ****** has any further questions regarding his complaint, he can reach us at (877) 557-3769.

  Customer Answer

  Date: 05/05/2025

  
  Complaint: ********
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ****

  Customer Answer

  Date: 05/06/2025

  I rejected the comment from the company because their documentation fine print is not clear as to how the lease to own works. Again I would have never signed the document if I knew there was a $25xx fee for the lease to own. I would have just paid cash. I was trying to do a 0% interest for 12 month model on the product I was buying but that’s not what I got. 

  Business Response

  Date: 05/07/2025

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

  We fully understand ******** concerns regarding the costs associated with the agreement, and we regret the frustration this has caused.

  Following the application process, ****** was required to input details about the merchandise, including the cost and quantity of each item. Subsequently, ****** was directed to a summary page that outlined the costs of the 18-month agreement, payment amounts, and information about the 100-Day Option. After signing the agreement, ****** received an updated payment schedule, allowing for a thorough review of the agreement details.

  Given these circumstances, we believe that Snap Finance complies with all relevant laws and regulations, and that ****** was provided with timely information to make an informed decision regarding the Rental-Purchase Transaction.

  We would like to confirm that ******** account has been fully paid off, and there are no further obligations towards Snap Finance.

  Additionally, ****** has requested to no longer receive communications from Snap Finance. Should ****** have any further questions regarding their complaint, they can reach us at (877) 557-3769.

• Initial Complaint

  Date:04/23/2025

  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.

  I kind of feel taken advantage of by snap, I signed up in 2024 for Snap Finance to have some work done on my car thinking it was an affordable option . I was never told about the hundred day buyout option and have I been told about that. I would’ve already been done with the lease. I am of course, still making my payments, and now I have not only satisfied the original loan amount but they want an additional $1900 dollars almost

  Business Response

  Date: 04/28/2025

  Good Afternoon, 

  We sincerely apologize for the experience ********* ********* has had with Snap Finance. We understand that ********* had concerns regarding the balance owed.

  After reviewing their account, we are pleased to inform you that ********* has accepted a settlement offer. We have communicated the details of the settlement directly with them and have also addressed this matter via email.

  If ********* has any further questions regarding their resolution, they may contact us at (**** *********

  Thank you,

• Initial Complaint

  Date:04/15/2025

  Type:Sales and Advertising 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.

  BEWARE! In late December I took out a SNAP loan to get some repairs done on my car, full amount 1233.02 plus the finance fee so total amount financed was 1397.14. I had it set up for the auto deductions and would make extra payments to get it down & done within the 100 days. It/They never had any problems pulling any of those from my account. On the 99th day I made a payoff of the remaining amount of 411.06. Today I checked my account to see if it had posted and make sure everything was OK. I see that I still have a balance? I contacted customer service, after several transfers and a chat disconnection due to my inactivity of 1 min after 3 minutes of theirs. They are saying my payment never went through for the payoff amount and they are unable to postdate a payment to show that it was paid in full. I am now stuck paying almost double for what feels like an intentional error to grab more cash.

  Business Response

  Date: 04/28/2025

  We are sorry to hear about the experience ******* ******** had with Snap Finance. 
  
  We appreciate the opportunity to review their case and provide clarification regarding the concerns raised in the complaint. ******* alleged that they submitted a final payment on April 7, 2025, to complete the 100-Day Option payoff and later discovered the charge had not been posted to their account. 
  
  To address *******’s concerns, we conducted a full review of their payment history and engaged our Accounting Department to determine if there was any record of a transaction. Our findings indicate that there is no evidence of a payment attempt or failed transaction on or before the stated date. We respectfully recommend reviewing the bank statement directly with the card issuer, as it is possible the payment was applied to a different company, or the transaction was not processed for another reason outside of Snap’s control. If you uncover any relevant information, please do not hesitate to share your findings with us. 
  
  We attempted to contact ******* by phone to discuss this matter further but were unable to reach them. A detailed response was sent by email. If they wish to discuss available options to pay off and close the account. We remain committed to resolving this matter and assisting as needed. 
  
  We regret any frustration this may have caused, if there are any questions we encourage ******* ******** to contact our team at (**** *********

• Initial Complaint

  Date:04/08/2025

  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.

  I took my car to ******** Tire for repair. The total came out to *******. I paid $200 in cash and financed the 1305 with Snap Finance. Snap Finance added taxes and fees bring the balance to 1455. I have paid the repair shop $71.68 in taxes as noted on the bill. I am paying more than the amount of the bill. Snap Finance is not understanding that I have given the owner ****** instead of just *****. I have called multiple times. I spoke to the owner of the tire shop, *** ******** and he assured me it was fixed but it isn't. Now I have to wait 3 days for Snap Finance resolution department to assist me. It's not right and I have the receipt from the tire shop.

  Business Response

  Date: 04/14/2025

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

  
  We understand *********** concern regarding the invoice total and want to assure them that we take situations like this very seriously. Our Special Handling Team will be reaching out directly to provide the necessary support.

  
  If ********* has any further questions in the meantime, they are welcome to reply to our teams email or call the number provided in that message.

• Initial Complaint

  Date:03/31/2025

  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 am writing a complaint because I have contacted snap finance to remove an ach payment they have refused to remove the payment and I do not have access to this account. I have added an a new payment method and they still refuse to remove it this is not write my account is in good standing I never missed a payment

  Business Response

  Date: 04/04/2025

  Good Afternoon,

  We sincerely apologize for any inconvenience that ******* ******** may have experienced with Snap Finance regarding the change to their ******** information. We take all concerns seriously and promptly initiated an internal investigation upon receiving the issue.

  
  We attempted to reach ******* by phone but unfortunately were unable to connect with them. However, we have successfully communicated the resolution to their concern via email.

  
  If ******* has any further questions, our team can be reached at ************ during our business hours, which are Monday to Friday, from 8 AM to 5 PM (MST).
  Thank you,

  Customer Answer

  Date: 04/04/2025

   
  Complaint: 23139083
  
  I am rejecting this response because this doesn't make sense for them to still keep my account information on file when a debit card is already on file.
  
  Sincerely,
  
  ******* ********

  Business Response

  Date: 04/08/2025

  We sincerely apologize for any inconvenience that ******* ******** may have experienced with Snap Finance regarding the removal of their ******** information.   

  
  We take all concerns seriously and promptly initiated an internal investigation upon receiving the issue. 

  
  We attempted to reach ******* by phone but unfortunately were unable to connect with them. However, we have successfully communicated the resolution along with further detail pertaining to our internal systems' inability to remove their ******** account information.  

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

  
  Thank you, 

• Initial Complaint

  Date:03/28/2025

  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 one payment miss on a $1,032.44 finance loan that was supposed to pay off in February 2025. I made all the payments except one which was misdeed in January 17th which I did not realize. That missed payment was $117. So, now they are trying to charge me $66 every two weeks for 18 months. I have already paid $1,123.54. They litterally received all but the $117 which I did not realize until I saw the notice of payment received for the $66 today.

  Business Response

  Date: 04/10/2025

  We apologize for the experience ***** ******** has had with Snap Finance.

  We understand ***** is concerned about the 100-Day Option on their account. We are happy to inform that you were have spoken to ***** over the phone and found a resolution.

  If ***** has any further questions or concerns, they can call us at **************.

• Initial Complaint

  Date:03/27/2025

  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 was offered 3500 for a loan. I used $1235 for maintenance work for my 2015 ****** Altima. Snap finance been taking 90 every 2 weeks from checking account since November. I called them to check my balance. Now they say I owed $2738 remaining for the next 18 months. I was lied and basically false advertisement.

  Business Response

  Date: 04/01/2025

  We apologize for the experience ***** ****** has had with Snap Finance.

  We understand ***** is concerned about their account. We take complaints like ******* seriously and completed an internal investigation once we received it. We have not been able to reach ***** over the phone, so we have sent them an email with our proposed resolution.

  If ***** has any other questions or concerns, they can reach us at **************.

• Initial Complaint

  Date:03/24/2025

  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 writing to formally lodge a complaint against Snap Finance regarding an unfair and financially burdensome situation I am currently facing. I initially entered into what I thought was the 100-day option to complete repairs on my car for approximately $860, believing this to be a manageable payment plan. However, despite having already paid more than the original cost of the item, payments continue to be withdrawn from my checking account every two weeks, with no clear end in sight. This ongoing financial obligation has become an overwhelming strain, especially as my income has drastically decreased due to the rising costs of basic necessities. I am now in a position where these continued deductions are forcing me into further financial hardship, making it difficult to afford essential expenses such as rent, utilities, and groceries.I am pleading for Snap Finance to show compassion and fairness by allowing me to pay off the remainder of the initial balance without the excess fees as I have already paid more than half of what was owed instead of the early buy out at additional $1000 over what is due. I have continued to fulfill my original obligation in good faither but I urge you to reconsider my situation with empathy and understanding, as any additional payments outside of my original balance would only push me deeper into financial distress. I am requesting immediate action, ensuring that I can regain control of my finances and prioritize my essential living expenses. I appreciate your urgent attention to this matter and look forward to a fair and reasonable resolution.

  Business Response

  Date: 03/26/2025

  We sincerely apologize for the experience that ****** ****** has encountered with Snap Finance. 
  
  We understand that ****** is requesting the 100-Day Option to be reinstated. While we empathize with their situation, we were able to reach ****** over the phone and provide information as to why the 100-Day Option cannot be honored. However, we discussed the available options for closing their account. 
  
  Brandi's concerns have been forwarded to our Special Handling Team, who will be in touch within 2-3 business days. We encourage ****** to keep an eye out for their communication. 
  
  If ****** has any further questions regarding their complaint, they can reach us at **************. 

• Initial Complaint

  Date:03/21/2025

  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.

  Ok I was doing the 90 day buyout program with snap finance I paid the whole time correctly at the end I paid the last 95 dollars over the phone with a representative on the 17 got a email text paid in full then and then now they saying it wasnt paid in full that on the 13 it was a pending payment for 34 dollars well when I paid in full on the 17 why did it not come up that it was returned so I called and ask to pay just what I owe the 34 dollars I was even willing to pay the returned fee of 20 dollars and I was told that I couldnt that because it was three days after the 90 day pay out I would have to pay 800 dollars or they could drop it to 500 and something dollars what a rip off for 34 dollar!

  Business Response

  Date: 03/28/2025

  We reviewed the customer's concern and explained that the ******* buyout option could not be honored due to a returned $34 payment, which resulted in the account remaining open. We clarified that Snap Finance attempted to notify them of the returned payment via SMS and email, but we did not receive their call in time to resolve it before the 100-day period expired. As a resolution, we provided alternative payoff options, including the Early Buyout and Settlement options, to help them close the account.