- Rate
- Based on your credit. 0% APR for qualified buyers.
- Credit
- Checking your options won’t affect your credit score.
- Payments
- A fixed monthly amount. You know the total up front.
- How to apply
- Choose Affirm when you check out online.
Financing
Bring it home today. Pay your way.
Pay monthly
Two credit-based plans, both chosen at checkout. You’ll see your rate and full total before you say yes.
Monthly payments
Shop Pay Installments
Split it at checkout- Rate
- Interest-free pay in 4, or monthly plans. Subject to eligibility.
- Credit
- Checking your options won’t affect your credit score.
- Payments
- Every two weeks (pay in 4) or monthly.
- How to apply
- Choose Shop Pay when you check out online.
No credit? No problem.
Snap Finance looks at your income and banking history, not just a credit score. You lease the couch, take it home today, and own it when the payments are done. Paying it off early costs the least.
- To start
- $0 down. Take your couch home today.
- Credit
- No credit needed. Decisions in seconds, with your approval amount.
- Income
- Just $750 a month in income to get approved.
- You’ll need
- Your Social Security number or ITIN, plus a state-issued driver’s license or ID.
- Pay it off
- 0% when you pay it off within 100 days. Carrying the full term costs more than the sticker price.
- How to apply
- Apply online. Once you’re approved, we’ll text you the same day to set up your couch delivery.
Questions first? Text us and we’ll walk you through it.
Apply with SnapApply at the showroom
Sit on it first- Where
- Our Anaheim showroom, by appointment.
- Help
- We’ll walk you through Snap on the spot, start to finish.
- Bring
- Your SSN or ITIN, a state-issued driver’s license or ID, and your bank account details.
- After
- Approved? We can deliver in 1 to 3 days.
How Snap works at Rebuffd
- Apply in minutes Apply on your phone with your SSN or ITIN and a state ID. In minutes, Snap shows how much you’re approved for, and you may qualify for up to 10% more automatically.
- We text you, same day Your approval pops up on our end, and we’ll text you to lock in your couch and delivery. Want to go faster? Text us first.
- Sign on your phone Snap texts or emails your lease. Review every number, then sign. $0 down for most customers.
- We deliver We bring your couch home, usually in 1 to 3 days. Your payments to Snap line up with your paydays.
Lease-to-own in plain English
- It’s a lease, not a loan.Snap buys the couch and leases it to you. Once the payments are done, it’s yours.
- Early payoff saves the most.Pay it off within 100 days and it’s 0%, so you pay the sticker price.
- The full term costs more.Carrying the lease to the end costs more than the sticker price. Every number is in your agreement before you sign.
- Still covered by our swap.Every couch comes with our 7-day swap guarantee, however you pay.
Quick answers
Which option should I pick?
If your credit is good or fair, start with Affirm or Shop Pay at checkout. Checking your rate won’t affect your score. If credit is a worry, go with Snap.
Will applying hurt my credit?
Not with Affirm or Shop Pay. Checking your rate won’t affect your score. Snap’s application tells you exactly what it looks at before you agree to anything.
Can I see the couch before I apply?
Absolutely. Book a time to sit on it at our Anaheim showroom, and we’ll help you apply while you’re here.
Can I pay it off early?
Yes. All three options let you pay early. With Snap, paying within 100 days keeps you at 0%.
What if it doesn’t work in my space?
Every couch comes with our 7-day swap guarantee, however you pay.
Found the one?
New couches hit the floor every week, and the good ones go fast.
Snap Finance offers lease-to-own, which is not a loan. Paying within 100 days keeps you at 0%; carrying the full lease term costs more than the cash price. Approval isn’t guaranteed, and your agreement lists every cost before you sign.
Affirm and Shop Pay Installments are subject to eligibility and approval. Your rate depends on your credit, and you’ll see your full terms before you commit.