How to spread the cost of a bike

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

Snap at Checkout
Visit any of our online sports & leisure retailers 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.

Yes. Snap Finance offers e-bike financing that does not rely solely on your credit score. We carry out a soft credit check when you apply, which has no impact on your credit file, and assess affordability alongside your credit history. This means customers with poor or limited credit can still be approved. You can spread the cost of an electric bike over up to 48 months, with no deposit required.

Yes. Mountain bikes are eligible for Snap Finance as long as the purchase is £250 or above at one of our approved retailers. Our application process considers affordability as well as credit history, so a poor credit score does not automatically mean a decline. Both electric mountain bikes and standard mountain bikes qualify, and you can check your eligibility without affecting your credit file.

Yes. Snap Finance does not require a deposit. Once your application is approved, you can purchase your bike immediately using your Snap Card and begin repaying in fixed monthly instalments. This applies to all eligible bike types, including electric bikes, mountain bikes, and road bikes, as long as the purchase meets the minimum spend of £250.

Snap Finance is available at a growing network of approved UK retailers, including specialist bike shops. You can use your Snap virtual card in-store or online wherever Snap Finance is accepted. To find your nearest approved retailer, check the store locator on the Snap Finance website before you shop.

Yes. Snap Finance is designed to support customers with a range of credit histories, including those with poor or limited credit. Rather than relying solely on your credit score, we also carry out an affordability assessment to understand what you can comfortably repay. This means you may still be approved even if you've been declined elsewhere. You can check your eligibility with a soft credit check, which won't affect your credit score.