Snap always checks credit, but keep in mind that Snap's application results are not based on credit alone, and customers can be approved even if they have poor credit or no credit.
For our lease-to-own and installment loan products, Snap uses data from secondary credit reporting agencies (CRAs) like Clarity and DataX. Applying with Snap will affect your credit score with these CRAs, but is unlikely to affect your FICO score or scores from the three major credit bureaus - Experian, Equifax, and Transunion.
Note: Experian is used for Credit+ applications and as a result, credit scores may be affected. Credit + is not a Lease-to-Own product.