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: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. 
  
  

• Initial Complaint

  Date:03/14/2025

  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.

  Around March 2023, I elected to have dental procedures with ************ located at ***********************************, phone number ************, which due to high costs I had to obtain alternative finances (loan) through their financial loan provider as the dental provider had a contract with Snap for finances (loan) for all their customers. I paid for the services for 18 months, and finished the payments in December, 2024. The issue is, that Snap has a duplicate claim for the same services/dates..ect..and they refuse to fix the issue and insist that since the claim is an open claim the payments are due. I called twice for them to fix the duplicate claim issue. I also spoke to ************ representative who informed me they no longer work with Snap because they kept having duplicate claims issues and were refusing to fix the issue with their patients. So they had complaints. I do not have the account number as the payments were automatic payments and automatically came out of my account. I spoke to Snap representatives who acknowledge that the claims seem to be duplicate but refuse to fix it and my credit is being affected.

  Business Response

  Date: 04/01/2025

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

   

  We take complaints like ******* seriously and completed an internal investigation. ***** has not responded to our phone calls regarding the complaint, so we have sent them an email with the proposed resolution. 

   

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

• Initial Complaint

  Date:03/04/2025

  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.

  I feel completely misled by Snap Finance’s 100-Day Option. When I signed up, I was told I had 100 days to pay off my balance to avoid excessive fees. What they failed to mention was that if you are just 10 days late on a payment, you automatically lose the 100-Day Option and are forced to pay hundreds more over time. I was only 10 days late, and now I’m being told I have to pay an extra $700—with no flexibility or assistance from customer service. When I called for help, the representative showed zero concern and simply said, “There’s nothing we can do.” This is completely unacceptable. If this 10-day rule is such a big deal, why wasn’t it made clear from the beginning? This feels like a bait-and-switch tactic to trap customers into paying far more than they anticipated. I would not have signed up had I known how unforgiving and deceptive this policy is. I am a hard working college student. I had 2 loans out with you guys at the same time, I paid one off successfully, called today to make another payment for the 2nd loan and that's when I was informed about the 10 day rule which is so ridiculous if you are giving us 100 days already. None absolutely none of the customer service reps says this, they only mentioned the 100 days. This is predatorial and unfair

  Business Response

  Date: 03/13/2025

  We are sorry to hear about the experience ******** **** has had with Snap Finance. 
  
  We take complaints like Shannika’s with the utmost seriousness and appreciate the opportunity to review their case.
  
  We have been in contact with ******** via email and are pleased to confirm that we have successfully reached a satisfactory resolution.
  
  The details of the resolution have been communicated directly to Shannika.
  
  If ******** has additional questions, they can reach us at (877) 557-3769.

• Initial Complaint

  Date:02/27/2025

  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.

  Snap is such a scam. I'm paying 3 times more that what my total cost was. I reached out to Snap to seek assistance on why my balance was still $717 from $390 something dollars. I was told since I did not choose the 100 day option, I was kept in a term loan that totals two to three times more that the loan amount. It was said that it's recommended to contact Snap after applying. Why would I not be originally enrolled in the 100 day option? This is what I believed would have happened, that I would have been given the best option to pay off a low amount. Now the option has expired and they are wanting me to pay three times the total in split payments or single amount.

  Business Response

  Date: 03/04/2025

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

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

  We spoke with ******* over the phone to discuss the best resolution for their case. Later, we attempted to call them to provide our official response but were unable to reach them. As a result, we sent the resolution details via email.

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

• Initial Complaint

  Date:02/19/2025

  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.

  Borrowed ****** for car repair. Repaid ****** now they are trying to charge an additional *******. o

  Business Response

  Date: 02/24/2025

  We sincerely apologize for the experience that ******* ***** has encountered with Snap Finance. 
  
  We acknowledge Lavonne's concerns about the costs associated with the 100-Day Option. We are pleased to inform you that we have been in communication with ******* via email, and they will be collaborating with our Special Handling Team to seek a resolution. We encourage ******* to stay alert for their contact. 
  
  Should ******* have any further questions or concerns, they can reach us at **************. 

• Initial Complaint

  Date:02/16/2025

  Type:Service or Repair 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.

  Got a loan from snap finance to do auto repairs from *********** auto I paid for parts that were not put on my car because they didnt fit and the mechanic couldnt get a hold of the tuner.I have text messages showing the proof of this. Also paid for a transmission and when I got my car back, its doing the same thing the transmission was doing when I turned the car in not to mention parts were missing that were not missing when I gave them. The car engine cover was not put on when I got card back. Return the car for them to fix it. Still not put on properly have electrical tape holding on my bumper and Im being forcedto pay snap finance for something that was not done to my car and the transmission wasnt done properly. Ive contacted them multiple times providing emails and pictures and text messages of the mechanic saying what he did and what he didnt do, butI still have yet to get anything resolved and snap finance will not give me the money back from the loan and if I stop paying, its affect my credit I dont want that to happen so I dont know what to do, but I shouldnt be paying for something that wasnt done tomy car and part that wasnt done properly to my car and providing proof to the finance company and they still wont do anything to help me. I can also provide all this information to you as well if needed I have no problem doing it.

  Business Response

  Date: 03/07/2025

  We are sorry to hear about **** ********** experience with Snap Finance. We take complaints like ***** very seriously and appreciate the opportunity to review this case. We are pleased to inform you that a refund has been successfully processed, and the account will be closed. If **** has any further questions, he can reach us at **************.
  
  

  Customer Answer

  Date: 03/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ********

• Initial Complaint

  Date:02/14/2025

  Type:Service or Repair 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 applied for a loan with this company. I contacted them in regards to a failed payment/ wrong account number. I went online and made sure my account number was correct and made a payment. I also requested a copy showing that I submitted a wrong account number which they did not provide. I went on the website today 2/14/25 to see when my 100 day cash option expiration date was. I noticed a past due balance. I contacted the company and they stated that they haven’t received a payment even though I set up automatic payments since I opened the account. They are trying to charge me interest even though they have my bank account information and failed to take the money out of my account. They have my correct bank account information. They stated that there was nothing they could do for me. I spoke with two supervisors name Jason and Marisol.

  Business Response

  Date: 03/03/2025

  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 you that we have worked with ****** and found a resolution.  
  
  If ****** has any questions about this resolution, they can contact us at ###-###-####. 

  Business Response

  Date: 03/03/2025

  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 you that we have worked with ****** and found a resolution.  
  
  If ****** has any questions about this resolution, they can contact us at ###-###-####. 

  Customer Answer

  Date: 03/04/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ****

  Customer Answer

  Date: 03/04/2025

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ****

• Initial Complaint

  Date:02/09/2025

  Type:Service or Repair 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 would like for Snap finance to remove me from their collections **** due to myself being a identity theft victim as of 1/22/2025. I was a former customer since 2008. I have not applied for the assistance until january this year and it was then brought to my attention that someone has been using my ssn since sept of 2020 until august of 2024. I really would like to reapply later in the future

  Business Response

  Date: 02/13/2025

  We are sorry to hear about the experience ****** ******** has had with Snap Finance.?We take complaints like ******** 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 you that we have successfully provided a satisfactory resolution to ******. Details of the resolution were shared via phone and email.
  
  If ****** ******** has additional questions, they can reach us at **************.
  

  Customer Answer

  Date: 02/14/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:02/08/2025

  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.

  This company is charging twice the amount I financed with them, because of an issue with a returned payment. I tried to get back on the payment plan but they are penalizing me to pay double the cost of the item purchased. Here is a summary of their reply: Your outstanding balance is $725.70, based on your [XX]-month agreement. You currently have an Early Buyout Option (EBO) where you can make a lump sum payment of $513.99 today. If you are unable to take advantage of that option today, you can still save 30% or more of your remaining balance at a future occasion, up until your last payment. I have already paid $658.00 of an item that was 608.00. I can’t seem to have a way out of their scam. I am being ripped off by their one sided terms. I had to settle to pay 308.39 dollars to get out of this abuse. This should not happen to seniors. This type of a compulsive and unfair business should be revised and fined by the government. Please stop this practice as soon as possible or intervene in their contracts to avoid predatory loans taking advantage of low income citizens.

  Business Response

  Date: 02/17/2025

  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 email, and we are pleased to inform you that we have successfully provided a satisfactory resolution to ****. Details of the resolution were also shared with **** via email.

  If **** has additional questions, they can reach us at ###-###-####.  

• Initial Complaint

  Date:02/07/2025

  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.

  This is a "Buyer Beware" I spent 800.00 to have a repair done that needed to be financed. There is a 100 day option that I was told about from the service company and It was my understanding that when you sign the contract you are enrolled. You are not! You have to contact through their app just to get a customer phone number. Bottom line .. my 800.00 turned into over 2k that you will have to pay weather you pay off before the 18 months or not. You need all information before you sign. My opinion is this is a loan shark company. With that said, buyer beware. It will cost you more than you know.

  Business Response

  Date: 02/12/2025

  We apologize for the experience ******** ******** has had with Snap Finance.  
  
  We understand that ******** had concerns regarding their account, and we take such matters very seriously. We have spoken to ******** about their account over the phone and discussed their concerns and suggestions. ******** is aware of the available options to close the account after the 100-Day Option expires.  
  
  If ******** has any additional questions or concerns, our team remains available to assist them at ###-###-####.