Looking for a Mattress on finance ?
Get a loan from £250 to £3,000 to spend on a new Mattress and bedding. Buying a mattress on finance enables you to spread the cost and pay monthly for a new single, double and king size Mattress.
With Snap Card pay no deposit
Representative Example: Cost of Goods £1200, Deposit £0, Amount of Credit £1,150, Annual Fixed Interest Rate 26.47%, Monthly Payment £62.54, Term 24 months, Total Payable £1550.96, Representative 29.9% APR
How Snap Card Works
Financing a new single, double or king size Mattress for your bedroom shouldn’t be stressful. We help customers with poor finance, and some with bad credit. 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 across many Mattress, Bed and bedding stockists, in-store or online.
Honeypot
Bensons For Beds
Furniture Direct Online
Simba Sleep
Dunelm
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.
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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