Get flexible loans of up to £5000 to finance your dream bed. Enjoy repayment terms of up to 48 months. Check your eligibility today!

Flexible loans for your dream bed

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

Fill out a short form to check your eligibility. Don't worry, we'll only carry out a soft search at this time so this won't impact your credit score.

Complete the online application form. Once you decide to take out the loan with Snap Finance, we'll carry out a hard search.

If you're approved, you can use your loan to buy eligible goods from participating retailers.

Browse our selection of bedroom furniture retailers from, big chains to local stores and start spending.

We make financing fast, flexible and affordable.

Join the thousands of customers who have already chosen Snap

Our direct payment system to retailers removes complexities, enabling an immediate and smooth shopping experience.

Our swift approval process reduces wait times, allowing you to move forward with your purchasing plans without delay.

Making regular, timely repayments with Snap Finance could positively influence your credit score, enhancing your financial profile over time.

Our customer support team is always ready to assist, offering guidance and answers throughout your finance journey, ensuring you have a seamless experience.

How to get this offer

How to get this offer:

On all sale items on the website

Enter the loan amount you are considering.

Select Loan Amount

Loan Term

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Representative Example: Cost of Goods £1200, Deposit £50, 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

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.

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 identity, 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.

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.

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 the expected delivery date of your goods. 


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

Visit our FAQs page for more frequently asked questions.

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

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Flexible loans for your dream bed

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