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Rating by Finanso®

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SNAP Home Finance's application


How to apply


What do you need to apply for a loan from SNAP Home Finance? Unfortunately, the website doesn’t provide details on this matter.

To get information on the required documents, you can get in touch with SNAP Home Finance’s Customer Support by the following contacts:

Tel: 1.866.475.9184 (8:30 am – 8:00 pm EST)


Most likely, the company’s dealers also provide customers this information at the point of sale.

Application details

As stated on the SNAP Home Finance website, customers can expect their loan application approval in minutes. When purchasing goods or services from their dealers, you can apply for a loan at the point of sale or through a dealer’s website. SNAP Home Finance has a digital application process with document upload capability.

You can expect same-day financing for starting your home improvement project upon approval.

SNAP Home Finance claims to have the highest approval rate in the industry.

According to their website, they help customers get the desired financing based on their needs rather than budget constraints. So, loan refusals are not common with SNAP Home Finance.

According to the SNAP Home Finance website, requesting a loan for home improvement is simple and quick. The application process takes place either at a point of sale or through the website of a SNAP Home Finance dealer. In the case of digital applications, document upload features will be available.

Upon signing a loan agreement, you can register on the SNAP Home Finance website. When registering, you’ll need to come up with your username and password. Next, you will need to specify the following information:

  • Your email

  • A security question and an answer to it

  • Your last name

  • Your account number

  • Your monthly payment amount

  • Your date of birth

Once you register an account on SNAP Home Finance, you will be able to manage your loan.


How long does it take to get approved by SNAP Home Finance?

SNAP Home Finance promises a quick and easy digital application process. With document upload capability, submitting and approving loan applications is pretty fast. The website says customers can get approval for the desired financing in minutes. Upon obtaining approval, you can expect same-day loan funding.

How trustworthy is SNAP Home Finance?

SNAP Home Finance has provided home improvement financing solutions to Canadians for 16 years. Through years of operation, the company has gained the trust of its customers and dealers. 

Since its establishment in 2006, SNAP Home Finance has helped thousands of Canadians renovate their residential properties. The company partners with many home improvement organizations across Canada, delivering industry-leading dealer experience and support. The dealers benefit from flexible financing options, training and marketing support, and the All-Star Alliance program offered by SNAP Home Finance.

Does SNAP Home Finance verify income?

SNAP Home Finance doesn’t provide any information about income verification on the website. To get information on eligible income and other requirements for borrowers, reach out to SNAP Home Finance’s Customer Support by the following contacts:

Tel: 1.866.475.9184 (8:30 am – 8:00 pm EST)


Or, you can request this information from a company’s dealer you want to buy products or services from, right at the point of sale.

Does SNAP Home Finance hurt your credit score?

As long as you make your loan payments in full and on time, you don't have to worry about your credit score. However, failure to make payments on time may negatively impact your credit record. SNAP Home Finance doesn’t specify whether it reports the payment habits of its borrowers to a credit bureau. 

Contact SNAP Home Finance’s Customer Support for additional information on this matter.

What to pay attention to when applying for a loan from SNAP Home Finance

  1. The company must have a license if it runs business in Alberta, British Columbia, Manitoba, Ontario and Quebec.
  2. You can check the availability of the relevant license (copy) at the branch of the lending company.
  3. Membership in a self-regulatory organization (SRO) is an additional guarantee of the reliability of the lending company. This information can also be checked at the company's branch or on its official website.
  4. Availability of lending policies.
  5. The procedure for applying for a loan.
  6. The procedure for concluding the loan agreement and receiving the payment schedule.
  7. Other conditions for granting loans.

We recommend

  1. To check out the interest rates and frequency. 
  2. Check the availability of individual terms in the loan agreement (principal amount, term, date of advance, etc.).
  3. Check whether the loan agreement contains information about the total cost of borrowing.
  4. Take time to think – you can change your mind before agreeing or signing a loan agreement.
  5. Speed of loan processing.
  6. Accessibility – alternative lenders often operate where there are no bank branches.
  7. For the borrower - high interest on the loan.
  8. For an investor, the safety of funds is not guaranteed by the state.

What distinguishes SNAP Home Finance from banks:

  1. Simplicity - loan processing is less formalized than in a bank.
  2. Fast loan processing.
  3. Accessibility.
  4. For the borrower - high interest on the loan.
  5. For an investor, the safety of funds is not guaranteed by the state.
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