Snap Finance Partners With Affirm to Expand Pay-Over-Time Financing Options for Retailers

Retailers in the U.S. can now offer expanded payment access to customers

SALT LAKE CITY–(BUSINESS WIRE)–#buynnowpaylaterSnap Finance (Snap), provider of fast, flexible, pay-over-time digital financing options, announced a new partnership with Affirm, a transparent alternative to credit cards. Retailers using Snap can now seamlessly integrate Affirm’s additional financing options to capture more revenue from high-intent shoppers and offer alternative payment options to the 40 percent of consumers who are building or rebuilding their credit profiles.

Offering multiple pay-over-time options can help retailers increase conversion rates for in-store and online purchases. While most pay-over-time financing solutions leave behind consumers who do not qualify for financing under traditional credit models, Snap and Affirm help retailers offer a pay-over-time option that takes into consideration more than a consumer’s credit score when making underwriting decisions. Of course, consumers will see the amount they’ll pay upfront with no hidden or late fees.

“This strategic partnership between Snap and Affirm underscores our shared values of providing a flexible, transparent pay-over-time experience for retailers and their customers,” said David Laycock, Chief Commercial Officer at Snap. “Snap is on a mission to redefine who can participate in the alternative payments revolution. With Affirm, Snap delivers more inclusive options for retailers across sizes and categories, helping them build lasting relationships with their customers. Retailers benefit when their customers can pay over time on a schedule that works for their budget.”

Consumers can apply for Affirm with just a few pieces of information – without impacting their credit score. Underwriting decisions are made in seconds at checkout, capturing more conversions and offering a flexible pay-over-time option that fits a variety of consumer needs.

To sign up and offer Affirm’s flexible payment options, visit

To learn more about how to become a partner with Snap, visit

About Snap Finance

Founded in Salt Lake City, Utah, in 2012, Snap Finance is the leading provider of fast, flexible pay-over-time digital financing solutions for omnichannel retailers. Snap provides financing access beyond traditional credit, opening significant opportunities for retailers to boost sales to a largely underserved market. Snap’s proprietary, AI-driven credit modeling brings modern payment options to consumers who are still growing or rebuilding their credit profiles. Snap’s lease-to-own payment solutions are accepted at more than 300,000 merchants. For more information, visit

About Affirm

Affirm is purpose-built from the ground up to provide consumers and merchants with honest financial products and services that improve their lives. We are revolutionizing the financial industry to be more accountable and accessible while growing a network that is beneficial for consumers and merchants. Affirm provides more than 6.2 million U.S. and Canadian consumers a better alternative to traditional credit cards, giving them the flexibility to buy now and pay over time at virtually any store. Unlike payment options that have late fees, compounding interest and unexpected costs, Affirm shows customers up front exactly what they’ll pay — with no hidden fees and no surprises. Affirm partners with over 7,900 merchants in the U.S., helping them grow sales and access new consumers. Our merchants include brands like Walmart, Peloton, Oscar de la Renta, Audi, and Expedia, and span verticals including home and lifestyle, travel, personal fitness, electronics, apparel and beauty, auto, and more. Payment options through Affirm are provided by these lending partners:


Media contact:

Michelle Barry, Chameleon Collective for Snap Finance
(603) 809-2748

Laurel McBride real estate agent with Century 21 N and N Realtors with homes for sale in Logan Utah