Snap Community
Discover a wealth of knowledge, tips, and insights to make the most of your financial journey. Snap Community is your go-to resource for navigating the world of Snap Finance. Empower yourself with the tools and information you need to make informed decisions.
Articles
How to Finance Your Dream Bed, even with Bad Credit
21 September 2025
Have you been thinking about upgrading your bedroom with a luxurious bed but worried about the upfront costs? You’re not alone.
Bikes on Finance
28 April 2025
Explore our flexible bike finance options and make your cycling dreams a reality—without breaking the bank.
Flights on Finance
28 April 2025
Finance your flights with Snap and Alternative Airlines—book now, pay over time with flexible instalment options.
FAQs
What is Snap Finance?
We are a leading provider of flexible finance solutions in both the UK & USA. At Snap Finance, we believe everyone should have access to flexible and affordable finance options. That's why we offer a range of tailored finance solutions to help you get the things you need, when you need them.
What do I need to apply for a Snap loan?
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
You might also be asked for a photo of a government-issued ID (such as a passport or driving licence) and proof of address.
What products do Snap provide?
Snap Finance
A fast and flexible solution for purchasing your goods and services with retail partners within the Snap network. Snap is designed to provide you with a hassle-free way to fund purchases and get what you need.
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. Snap Finance is a convenient and reliable option to consider.
Pay in 4
Snap Finance's "Pay in 4" feature allows you to split purchases into four equal payments, providing budget flexibility.
When you apply for a Snap Finance loan you can select our Pay in 4 feature which in essence cancels all interest payable on your loan providing you clear off the original balance of your purchases within that 4 month period.
If you select Pay in 4 and your circumstances change and you can’t pay the balance off in 4 months, your payments transform into an interest-bearing loan over the period you’ve selected which allows you to pay it off longer and reduces the immediate impact of paying things off with higher lump sums.
Overall, this feature simplifies financing and helps you manage your expenses more effectively.
For more information about Pay in 4, please click here to visit our dedicated Pay in 4 product page.
Does Snap run a 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.
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.