Snap Finance helping you to shop now, pay later and spread the cost over time.

Snap Finance - In-Store & Online Finance At Your Fingertips

Check your eligibility in under 2 minutes!

Borrow up to £5000 to spend on retail purchases, and pay it back over up to 48 months.

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A quick, no-risk check will let you know if you're eligible for a loan without affecting your credit file.

Once approved, you can use your loan at any Snap retailer.

We make financing fast, flexible and affordable.

Representative APR

Enter the loan amount you are considering.

Select Loan Amount

Loan Term

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In order to apply with Snap, you’ll need the following:
✅ A valid UK debit card
✅ A UK-based address
✅ A mobile phone number
✅ An email address
✅ A weekly income of at least £200
✅ A deposit amount, the amount will be dependent on the retailer you choose.

What do I need to apply for a Snap loan?

We will initially run a soft credit check to assess your eligibility. This doesn’t affect your credit score. We also run checks to validate your income and ID, these do not impact your credit file score.

Before finalising your agreement, we will carry out a hard credit search with credit reference agencies, and identification verification checks.

Does Snap run a credit check?

Pay in 4 is a feature of the loan that allows you to settle your loan in full within 4 months and we’ll cancel the interest. This is called the Pay in 4 period.

The loan accrues interest calculated from the date the loan is taken out. The interest will only be cancelled if you fully repay the amount borrowed within the Pay in 4 period.

What is Pay in 4?

On your loan agreement and when reviewing your pre-contractual credit information, you will be given an estimated first payment date and amount based on an estimate of when your goods will be delivered.

Once delivery is confirmed, you will receive an email confirming exactly when your first payment is due, based on the frequency/date you initially selected.

When do my payments start?

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Have more questions? Visit our FAQs page for more frequently asked questions.

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