Big brands you’ll love
You can spend at multiple retailers with your Snap Loan. We put your loan amount on your virtual card so you can purchase your goods and services with our retailers and selected retail partners inside of our network.
Click here to see a full list of retailers where you can spend with your virtual card.
How Snap Loan Works
We’re not a credit card. We put your loan on a virtual card to make it easier for you to pay for your goods and services across selected retail partners. Spend in line with your budget and track your purchases through our Snap Wallet app.
Apply online
Apply now by clicking ‘Check Eligibility’. The process is simple and will not impact your credit score.*
Get your card
You can get a decision in minutes. Once approved, your card will be loaded with your budget in the Snap Wallet app.
Start spending
Spend over the next 30 days up to your budget, in-store or online. You can spend at multiple retailers of your choice.
Repay loan
These purchases will combine into one loan. You’ll pay for the amount you spend, on a monthly term that suits you.
*A full credit check will be carried out upon taking the loan which may affect your credit rating.
Manage your loan, your way
Once approved, manage your virtual card by downloading our Snap Wallet app.
- Check your balance anytime.
- Track your spending & transactions.
- Stay on track with push notifications.
- Get the latest deals and discounts
Your Snap Loan questions, answered!
Key things to know about your virtual card.
How do I use my virtual card?
Once approved, you’ll receive a virtual card which you can access by downloading the Snap Wallet app. You can use it online or in stores by entering the 16-digit card number, expiry date, and security code.
How do repayments work?
After 30 days, whatever you’ve spent on your card becomes your loan which you repay on a monthly term that suits you. Your first payment is due on the selected day of the month, a minimum of 7 days after the spend window closes.
Is Pay in 4 included?
Yes, Pay in 4 is included. This feature of the loan allows you to settle in full within 4 months and Snap will cancel the interest. Opt in is required. For more information about Pay in 4, click here.
How does loan term impact approval amount and APR?
The APR you receive may change based on the loan term you select. The loan approval amount may also vary. Different term lengths can impact your rate and available budget. Make sure to choose the best option for you.
Have more questions?
Visit our FAQs page for more frequently asked questions.
Don't take our word for it...
Here's what our happy customers like best about Snap Loan:
Keith Forbes
27 September 2025
Snap finance are helpful and listen to you if not sure about application form thank you snap
Alison Brooke
4 September 2025
Had an issue with the date of my payments Lola sorted it efficiently and quickly.x
Louise Anderson
6 August 2025
Spoke to Lola who was very helpful and sorted out my issue very quickly. Great customer service :)
Brian Sharpes
3 August 2025
I’m impressed by the company
gary stephen livsey
1 August 2025
Yvette was very polite and knowledgeable on the phone. she explained to myself, all the different ways forward, to pay off my finance arrears. She also maded sure this was an agreement that I could afford to do, to pay off all my arrears. Thanks Yvette.
Ruth Hutson
29 July 2025
Pleasant polite and very helpful
S Gb
28 July 2025
Yvette I spoken to her today very friendly and polite very professional explained it very clearly thank you very much I'd defo recommend snap finance
Frances Ford
24 July 2025
I have used Snap twice, first time was pick a retailer and the second was using a virtual card. I prefer the virtual card option. using them has really helped me out over the years and would recommend them to anyone.
Sazzle Rose
4 July 2025
I used this company for a short term loan for qualification fees. They were really easy to use and offered an interest free pay in 4 as well as a longer termed interest added option. I paid off my balance early and that was really easy to arrange with the help of Lola who provided all the info I needed and made sure I was happy with the service. Would use again.
Steven Smith (Des)
31 January 2025
Excellent service, excellent customer service, always willing to help, would 100% use this company again. Thanks Snap
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