With Snap Card pay no deposit
Representative Example: Cost of Goods £1200, Deposit £0, Amount of Credit £1,150, Annual Fixed Interest Rate 26.47%, Monthly Payment £62.54, Term 24 months, Total Payable £1550.96, Representative 29.9% APR
How Snap Card Works
Financing Fridge Freezers, Smart Fridge Freezers and American Fridge Freezers for your kitchen shouldn’t be stressful. Our simple application takes just minutes, with a decision in seconds — and we typically approve over 35% more customers than high-street lenders.

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.
Where to spend
Use your Snap Card across many Fridge Freezer stockists, in-store or online.
Donaghy Bro
Euronics
Dr Electrical
Power Appliances
Pay Smart Home
The Range
Why Choose Snap Finance
Over 1 million 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.
Common questions about financing a fridge freezer
Can I buy a fridge freezer on finance?
Yes. With Snap Finance, you can spread the cost of a new fridge freezer with flexible monthly repayments. You can borrow between £250 and £3,000, subject to status and eligibility, and use your approved Snap Card to purchase your fridge freezer from participating retailers online or in-store.
Snap Card gives you a 30-day spending window, so you can shop within your approved budget and only repay what you spend. You can then spread your repayments over a term that suits you, with options of 18, 24, 36 or 48 months.
How long can I finance a fridge freezer with Snap Finance?
With Snap Finance, you can spread the cost of your fridge freezer over 18, 24, 36 or 48 months, depending on the finance option you're offered.
Choosing a longer repayment term can reduce the size of your monthly payments, but it may also affect the APR and the total amount you repay. Your specific rate, approved amount and terms depend on your personal circumstances and eligibility, so make sure you review your individual finance offer before agreeing to a loan.
How much does a fridge freezer cost per month with Snap Finance?
Your monthly repayment depends on the amount you borrow, the repayment term you choose and the finance offer you're eligible for.
You can use the Snap Finance calculator to get an indication of what your monthly repayments could look like before applying.
Can I get fridge freezer finance with bad credit?
We may be able to help customers who have previously struggled to obtain retail finance, including some customers with less-than-perfect credit scores. However, finance isn't guaranteed and all applications are subject to eligibility, affordability and status.
When you check your eligibility, Snap Finance initially carries out a soft credit check, which doesn't affect your credit score. If you decide to proceed with the loan, a full credit check is carried out and this may affect your credit rating.
Do I need a deposit to finance a fridge freezer with Snap Card?
No deposit is required for fridge-freezer when you pay using Snap Card.
You can borrow between £250 and £3,000, subject to eligibility, and your approved loan amount is loaded onto your virtual Snap Card. You then have 30-days to spend your approved amount and only repay what you spend. Your individual finance offer, including the amount you're approved for and the applicable interest rate, will depend on your circumstances.
How do I use my Snap Card?
Once approved, you’ll receive a Snap Card which you can access by downloading the Snap Wallet app. The loan applied to your Snap Card is only valid for 30-days. You can use it online or in stores by entering the 16-digit card number, expiry date, and security code. Alternatively you can add your Snap Card to Apple Pay or Google Pay to make paying that little bit easier.
How do Snap Card 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 day of the month you select during the application process.
Does Snap run a hard credit check?
We're a responsible lender, meaning we never offer loans we don't think you could comfortably afford to pay back. To make sure we're getting this right, we'll 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.
We will only carry out a hard credit search if you take the loan. To find out more about how Snap runs a soft credit check, click here.
Have more questions?
Visit our FAQs page for more frequently asked questions.
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Don't take our word for it...
Here's what our happy customers like best about Snap Loan:
