Buy that dream bed on finance

At Snap we offer fast and flexible loan products to help you spread the cost of your next bed.

Snap at Checkout
Visit any of our online bed stockists where you can choose Snap at the checkout. Once you select Snap Finance as a payment option you'll be redirect to our application form.

The application process is simple and can be completed online, with your eligibility being determined in minutes. Our flexible repayment options allow you to choose the repayment plan that best fits your needs and budget. An initial “soft check” is performed so applying won’t hurt your credit score. Please note, a hard check is performed at the point you take the loan.

Snap Card
Snap Card enables you to apply for a loan and if approved add the funds to a virtual card which you can then use to spend all our retailers, whether in-store or online. You can add your Snap Card to Apple Pay or Google Pay. This loan lasts for 30-days, at which point we calculate what you have spent and therefore this becomes the amount you pay back over a term that works best for you. 

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.

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 selected day of the month, a minimum of 7 days after the spend window closes.

Across the Snap network, you’ll find a wide range of UK bed retailers offering flexible finance options to help you spread the cost of your new bed. Whether you’re shopping for a king size bed, single bed, bunk beds for the kids, or a practical storage solution like an ottoman bed, Snap Finance makes it easier to buy now and pay over time. Browse our trusted UK bed stockists and find the perfect bed with flexible payment options to suit your budget.

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.

Before finalising your agreement, we will carry out a hard credit search with credit reference agencies, and identification verification checks. If the checks are not satisfactory, we may decline your application. If we decline your application, we will let you know via email.

To find out more about how Snap runs a soft credit check, click here.

Yes. Snap Finance is designed to help customers who may have been declined by mainstream lenders. We look beyond your credit score and carry out an affordability assessment to determine what you can comfortably repay. You can check your eligibility using a soft credit check, which has no impact on your credit file. Many customers with poor or limited credit history are approved through Snap Finance.

Yes. You can use your Snap Card to finance a bed and mattress as a single purchase, as long as the total is £250 or more. There is no need to finance them separately. Simply use your Snap Card at any approved retailer, choose your bed and mattress together, and spread the cost over a repayment term that suits you, with options of up to 48 months available.

Yes. Snap Finance does not require a deposit. Once approved, you can use your Snap Card to purchase a bed straight away without any upfront payment. You repay the total amount in fixed monthly instalments over your agreed term. This makes it a practical option if you need a new bed now but want to spread the cost over time.

Yes. Snap Finance can be used to purchase a wide range of bed types, including ottoman and divan beds, at any of our approved retailers. As long as the purchase is £250 or above and the retailer is part of the Snap network, you can spread the cost regardless of the bed style or size you choose. King size, double, and single beds are all eligible.