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Jcpenney is a popular department store with a wide selection of products ranging from apparel to home goods. Find a store and start your application. Get approved through snap finance for those with bad credit or no credit. Find the right stores with. Snap finance can be used at thousands of participating snap partners. Get a decision in seconds. Use our store locator to find a participating retailer near. Our network of over 150,000 stores allows you to. Snap finance goes where you go. Get approved up to $5k today!.