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
4 Steps to Snap!
We make financing fast, flexible and affordable.
Apply online
Apply now by clicking ‘Check Eligibility’. The process is simple and will not impact your credit score.*
Get your card
You can get a decision in minutes. Once approved, your card will be loaded with your budget in the Snap Wallet app.
Start spending
Spend over the next 30 days up to your budget, in-store or online. You can spend at multiple retailers of your choice.
Repay loan
These purchases will combine into one loan. You’ll pay for the amount you spend, on a monthly term that suits you.
*A full credit check will be carried out upon taking the loan which may affect your credit rating.
Why Choose Snap Finance
Seamless Purchasing Process
Our direct payment system to retailers removes complexities, enabling an immediate and smooth shopping experience.
Quick Decision Making
Our swift approval process reduces wait times, allowing you to move forward with your purchasing plans without delay.
Credit Building Opportunity
Making regular, timely repayments with Snap Finance could positively influence your credit score, enhancing your financial profile over time.
Dedicated Customer Support
Our customer support team is always ready to assist, offering guidance and answers throughout your finance journey, ensuring you have a seamless experience.
Your Snap Loan questions, answered!
How do I use my virtual card?
Once approved, you’ll receive a virtual 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.
Is Pay in 4 included?
Yes, Pay in 4 is included. This feature of the loan allows you to settle in full within 4 months and Snap will cancel the interest. Opt in is required. For more information about Pay in 4, click here.
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.
Blogs
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What to do if you get declined by PayPal
Getting declined by PayPal whether for PayPal Credit or Pay in 3 can be frustrating, especially when you’ve already decided on your purchase.
Don't take our word for it...
Here's what our happy customers like best about Snap Loan:
Roy Choate
19 July 2026
Easy to use,great service team. Very helpful.
Trudy Sinclair
10 July 2026
Great help to get my mobility scooter. Quick and easy process. Highly recommend
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