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.
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
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.
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
Why Choose Snap Finance
Over 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.
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.
Des
31 January 2025
Excellent service, excellent customer service, always willing to help, would 100% use this company again. Thanks Snap
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.
