Representative Example
Representative Example: Cost of Goods £1200, Deposit £0, Amount of Credit £1200, Annual Fixed Interest Rate 26.47%, Monthly Payment £65.28, Term 24 months, Total Payable £1566.72, Representative 29.9% APR
How Snap Card Works
Spreading the cost using Buy Now Pay Later 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 for buy now pay later for 30 days across 1,000s of retailers, in-store or online.
Bensons For Beds
Dunelm
Halfords
Carpet Monster
Learn Direct
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.
Your Snap Loan questions, answered!
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. You can use it online or in stores by entering the 16-digit card number, expiry date, and security code.
How do 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 selected day of the month, a minimum of 7 days after the spend window closes.
How does loan term impact approval amount and APR?
The APR you receive may change based on the loan term you select. The loan approval amount may also vary. Different term lengths can impact your rate and available budget. Make sure to choose the best option for you.
Have more questions?
Visit our FAQs page for more frequently asked questions.
Latest Blogs
Buying Furniture on Bad Credit: Yes, it may still be possible
Having bad credit doesn't mean you can't get finance. While some lenders may decline applications from customers with poor credit, Snap takes a more inclusive approach. You could still be eligible for finance with a Snap Card.
How to Choose a Pay Monthly Washing Machine
Choosing the right washing machine can feel overwhelming with so many options available. This guide helps you compare the best washing machines for your budget and laundry needs. You’ll also learn how to finance your purchase with flexible payment options, including spreading the cost with a loan to pay monthly.
How to spread the cost of a bike
Explore our flexible bike finance options and make your cycling dreams a reality—without breaking the bank.
Don't take our word for it...
Here's what our happy customers like best about Snap Loan:
Joanne Cole
11 May 2026
Good quick Servis
Keith Forbes
27 September 2025
Snap finance are helpful and listen to you if not sure about application form thank you snap
Alison Brooke
4 September 2025
Had an issue with the date of my payments Lola sorted it efficiently and quickly.x
Louise Anderson
6 August 2025
Spoke to Lola who was very helpful and sorted out my issue very quickly. Great customer service :)
Brian Sharpes
3 August 2025
I’m impressed by the company