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Credit Challenged and Need Financing?

Nextgen Tuning LLC has partnered with Snap Finance, a lease-to-own provider, to offer you accessible financing even if you're credit is not so stellar. It takes just seconds to get an answer.

Apply Online

Shop online and directly apply for Snap lease-to-own financing, once approved, select Pay with Snap to checkout.

Apply In-Store

Simply stop by at our store to apply in-person or use your online approval to use at any of our store locations where Snap is available.


Easy application process. Know in seconds if you've been approved!


All credit types welcome. Snap believes you're more than your credit score.


Snap offers flexible payment options, with no hidden fees.

Why Snap?

Snap is a lease-to-own financing provider that empowers credit- challenged shoppers with the buying power to get what they need now. Snap was founded on the principle that financing should be accessible to everyone.

Snap Has Your Back

Snap believes in transparency, so you’ll know up front the cost of your lease. Snap offers a 100-Day option, which offers a considerable reduction in the overall cost of your lease.

Snap offers affordable lease-to-own financing. Get Approved

Snap Finance FAQs


No need to wait. Buy the things you need today, then make easy, manageable payments.


The option to pay over time is available to most customers, whether you buy with Affirm or lease-to-own with Snap Finance.


With Affirm and Snap Finance, know exactly what you’ll pay up front, without any surprises.

Here’s how it works

Select Affirm at checkout

Then just enter a few pieces of information for a real-time decision. Checking your eligibility won’t affect your credit score.

Choose how to pay

Select the payment schedule you like best, then confirm your loan. You’ll never be charged more than you see up front.

Make easy payments

Just download the Affirm app or sign in at affirm.com to make payments. You’ll get email and text reminders whenever a payment’s coming up. With Affirm, there will never be late fees or surprises.

Payment options through Affirm are subject to an eligibility check, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required.

Or, try Snap Finance

If Affirm isn't able to help with your purchase, you’ll have the option to apply with Affirm's partner Snap Finance, a lease-to-own provider. Snap will help you set up auto-pay and schedule a payment plan based on your income frequency until you acquire ownership of the merchandise.

Snap leases are subject to an eligibility check and are not available for all products or in all States.


Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed installments.

Here is what Affirm offers:
● Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
● The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of payments you will have to pay off your loan, all within seconds.
● You don’t need to have a credit card to make a purchase.
● Loan decisions are based not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
● Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable “Autopay” to schedule automatic payments on your loan.

Affirm will ask you for a few pieces of personal information – your name, email, mobile phone number, date of birth, and the last four digits of your social security number. Affirm uses this information to verify your identity, and to make an instant loan decision. Affirm will base its loan decision not only on your credit score, but also on several other data points about you. This means you may be able to obtain financing through Affirm even if you don’t have an extensive credit history. Payment options through Affirm are provided by these lending partners: affirm.com/lenders.

Yes, when you first create an Affirm account, Affirm performs a ‘soft’ credit check to help verify your identity and determine your eligibility for financing. This ‘soft’ credit check will not affect your credit score.

Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming due and the due date. You can also sign up for autopay so you don’t risk missing a payment. Please follow these steps to make a payment:
● Go to www.affirm.com/account
● You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
● Enter this security pin into the form on the next page and click “Sign In.”
● You’ll now see a list of your loans and payments coming due. Click on the loan payment you would like to make.
● You can make a payment utilizing a debit card or ACH bank transfer.

Affirm loans vary between 0% APR and 30% APR simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees for a late payment. They strive to always be more transparent and fair than any other form of financing.

Once you make your purchase, your payments are spread over time, usually 12 months.

You can use your approved amount from Snap Finance at select merchants that specialize in furniture, mattresses, tires, appliances, electronics, jewelry, and more. Use our store locator to find a merchant near you!

Absolutely! Snap Finance uses a proprietary approval process that gives you the best chance of being approved. We specialize in financing those who have bad credit, no credit, bankruptcy, or other challenges with their credit.

Just apply online. You will get an answer in seconds!

You will not receive cash. You will receive a one-time-use virtual card or need to speak to a retail merchant to initiate your lease.

You can apply at snapfinance.com, either on a smartphone or a computer. It’s most convenient to use a smartphone to complete your in-store transaction with your one-time-use Snap Finance virtual card, but you may request a physical card if you need one.

Currently, you can only have one lease at a time.

A lease-purchase is a form of lease where you rent the merchandise from Snap Finance for a designated period, usually 12 months, after which you gain ownership of the merchandise. You may also pay off the lease and gain ownership at any time through our 100-Day payment option and early purchase options.

Your lease-purchase agreement may be canceled at any time, as long as you return the leased merchandise in good, working condition. You will also need to meet the requirements of the merchant’s return policy.

There may be a processing fee or initial payment due the day you complete your transaction. This amount varies. Check your lease agreement for specifics.

No, this is not a revolving credit account.

Payments will auto-debit from your checking account. If you wish to change your payment preference, please call Customer Support.

No, we do not charge interest on a lease-purchase agreement. However, there is still a cost of lease in addition to the purchase price. The amount of this cost varies by customer and residential state, and it will be detailed in your agreement and disclosures. Be sure to read and understand your disclosures before you sign, and understand the important dates, amounts, and terms unique to your agreement.

Your Snap Finance card is designed to use at retailers that specialize in furniture, mattresses, tires and wheels, appliances, electronics, and jewelry. Use our store locator to find a merchant near you! Lease-to-own financing is not designed for use at “big box” stores, general department stores, restaurants, gas stations, clothing stores, and similar types of retailers that do not focus on durable consumer goods.

Unfortunately, you are only able to have one lease-to-own agreement with Snap Finance at a time. Once you have completed your lease, you are eligible to apply again. We love our repeat customers!

In order to apply, you must:
1. Be 18 years of age or older
2. Have a steady income of at least $1,000 per month
3. Have an active checking account
4. Have a valid email address/phone number
Note: Meeting these application requirements does not guarantee approval.

Snap approves leases for merchandise worth up to $3,000. Individual approval amounts vary.