Apply. Activate.
Snap!
Your approved Snap Loan is loaded onto a virtual card, giving you 30 days to spend with over 500 retailers. Borrow £250 to £3,000 and repay monthly over a term of up to 4 years.
Apply today to purchase the goods & services you need with Snap Finance.
How does our Snap Loan work?
Build your Snap Loan, download the Snap Wallet app, and start shopping! You can spend at multiple retailers of your choice.
1. Apply online today
Start with our easy online application. It’s quick, simple, and you’ll get an instant decision.
2. Get your virtual card
Get your approved loan amount on a virtual card. Access your card by downloading the Snap Wallet app.
3. Spend online or in-store
Purchase goods and services with selected retailers in our network. You have 30 days to spend on your card.
4. Pay for what you've spent
After 30 days, whatever you have spent on your card becomes your loan and spread over your term.
Choose the term that works for you
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 £1,566.62.
Your actual APR will depend on the term you choose. Always consider both monthly payments and the total cost before selecting a term length.
How do I get my virtual card?
When approved for your loan, you will see this page. Make sure to download the Snap Wallet app and continue the steps to set up your virtual card.
Set up your pin code in the app. Make a note of your login details as you will use them to access your card.
Learn more about Apple Pay and Google Pay
Frequently asked questions
How do I use my virtual card?
Your card is a virtual VISA card. Its pre-loaded with the amount you were approved for and is ready to use. You can use it to purchase goods and services with selected retail partners in our network. You are free to spend any value up to and including the total approved limit.
You can use your virtual card online, on the telephone or in store simply by quoting your 16-digit card number, expiry date & security code. When viewing your card in the app, click the icon next to the card number to copy it, making pasting it into the checkout straight forward.
You will need to type in the 16 digit number on your card to spend. That’s online, or in-store, like a regular VISA card.
You have 30 days to use the card and make your planned purchases.
Is my virtual card a credit card?
No, it isn’t a credit card. It’s a virtual VISA card with your loan amount pre-loaded and ready to spend. You cannot spend more than your approved limit.
After 30 days, your total spend will become your loan amount, including any applicable interest.
What if I don't need all my pre-approved credit limit?
No problem! Spend what you need and we’ll remove the rest after 30 days and before any interest is charged. For example:
Approval limit = £1000 – You spend £750 – Your loan will be for £750 + any applicable interest.
You will receive an email which updates your loan amount with a variations contract if you don’t spend your full amount.
Have more questions?
Visit our FAQs page for more frequently asked questions.
What are the benefits?
Snap Loan - simple & flexible shopping:
- No deposit needed - Start shopping without upfront costs.
- Stay in control - Spend as much of your approved limit as you need to.
- On your terms - Enjoy the option of spreading payments over a term that works for you.
Flex your card, your way - making things more affordable!
Making repayments
We make repayments convenient for you:
- Spread payments over 18, 24, 36 or 48 months - whatever's best for you.
- Choose a payment day. The first repayment will be on the first occurrence of your chosen repayment day, no sooner than 7 days after the 30-day spend window closes.
- Enjoy the flexibility to repay your loan early to reduce the amount of interest you pay.
Get your Snap Loan today!
Start your path to convenient and flexible retail financing today.
Click 'Check Eligibility' to embark on a hassle-free experience with Snap Finance.
Empower your purchasing capability with smart, straightforward financing.
Looking for more options?
We offer additional financing products that are not available online.
Click below to learn more about the exclusive products we provide and how they can support your needs.