Shop now. Pay over time.

Borrow £250 to £3,000 and spend over 30 days across 1,000s of stores. Spread the cost up to 48 months and only repay what you spend.

CHECK ELIGIBILITY

Brands you know & love

You can use your Snap card at any of our approved retailers within your 30-day spending window. Your loan amount is loaded onto your virtual card, giving you the freedom to shop at 1,000s of stores.

Click here to see a full list of retailers where you can spend with your virtual card.

BROWSE ALL STORES

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.

Try our loan calculator

Apply online

Check your loan eligibility in minutes - with no impact on your credit score.*

Get your card

We make a decision in seconds*. Once approved, your loan is instantly available in your Snap Wallet app.

Start spending

Your loan is available to spend for 30 days. Use it across multiple stores, online or in-store.

Repay loan

After 30 days, your loan closes. Pay back only what you spend, spread over monthly terms that work for you.

*A full credit check will be carried out upon taking the loan which may affect your credit rating.

CHECK ELIGIBILITY

Snap Loan now with Apple & Google Pay

A safe, contactless: way to pay in stores and online with your Android Phone, iPhone and Apple Watch.

APPLE PAY

GOOGLE PAY

To use Apple Pay, you need a supported card from a participating card issuer. To check if your card is compatible with Apple Pay, contact your card issuer. Apple Pay is not available in all markets. View Apple Pay countries and regions. Features are subject to change. Some features, applications and services may not be available in all regions or all languages and may require specific hardware and software. For more information, see Feature Availability. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.

Manage your loan, your way

Once you've taken a Snap Loan you will gain access to manage your Loan via My Account.

Check your balance anytime.
Track your spending & transactions.
Make payments.
Access your loan agreement.

Why Choose Snap Finance

Customers trust Snap Finance, and our Trustpilot rating shows why — we help people who were previously unable to get retail finance.

Quick & easy 4-step application

Apply online from the comfort of your home. Our simple 4-step application takes just minutes.

Get a decision in seconds

To reduce the stress of finance - using all the information you provide, we’ll make an instant decision.

Spend across multiple retailers

Use your Snap card to spend your loan within 30 days at 1,000s of stores, online or in-store.

Credit building opportunity

On-time repayments with Snap Finance can boost your credit score.

Have more questions?

Visit our FAQs page for more frequently asked questions.

Here's what our happy customers like best about Snap Loan:

Snap it up

We make things more affordable.

Fill out our short form, and that purchase you've been dreaming of could be yours today.

Card Issuer - Terms & Conditions

Complaints

Customer Survey - Terms and Conditions

B2B Prize Draw Terms and Conditions

Refer a Friend

Snap Finance Limited, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB

Snap Finance Limited is authorised and regulated by the Financial Conduct Authority with Firm Reference Number 741813. The Register is available here. We are members of the Finance & Leasing Association and adhere to the FLA Lending Code.

Snap Finance Limited reserve the right not to extend credit. Terms and Conditions Apply. Missing payments could have consequences, including legal proceedings and could make it more difficult to obtain credit in the future. If you are experiencing financial difficulty you can get free money advice here:
www.stepchange.org | www.nationaldebtline.org | www.payplan.com

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

*Representative Example: Cost of Goods £1200, Deposit £0, Amount of Credit £1200, Annual Fixed Interest Rate 26.47%, Monthly Payment £65.28, Term 24 months, Total Payable £1,566.72, Representative 29.9% APR.

Representative 29.9% APR