Snap at Checkout
Designed to fit your needs and make life more affordable, Snap Finance lets you spread the cost of your purchases across a wide range of stores. With flexible payment options, you can pay overtime, up to 4 years.
What is the retail finance loan?
Our retail finance loan lets you spread the cost of your purchase over up to 48 months with a Representative 29.9% APR. Applications are made directly via the retailer you want to shop with, and once approved, your budget can only be spent with that selected retailer.
Simple, straightforward, and stress-free—this loan is designed with your budget in mind. It’s perfect for when you need flexibility and time to pay off larger purchases.
What is the 0% 11 month product?
Interest-free financing? Yes, really!
Our 0% 11 month product gives you the power to pay for what you need without paying a penny of interest and is only available at some selected retailers.
Here's how it works:
Pay a deposit, then spread the remaining cost over 11 months
Choose a repayment date that suits you best
Rest easy knowing that there are no hidden fees or extra charges
Pay in 4 - A BNPL feature
Managing your finances is now simpler than ever with our Pay in 4 feature - available exclusively through our retailers, when paying with Snap Finance. Pay in 4 is a feature that allows you to settle your loan in full within 4 months and Snap will cancel the interest. This is called the Pay in 4 period.
Here’s how it works:
Step 1: Visit one of our approved retailers.
Step 2: Find the products you want and add them to your basket.
Step 3: At checkout (on in-store), select Snap Finance as your payment option.
Step 4: Apply and once approved, choose our Pay in 4 option.
Step 5: Pay off your purchase within 4 months - and enjoy no interest when you do!
Learn more
*Unable to settle in 4 months? No worries. The remaining balance reverts to your contractual loan with applied interest, across the term selected by you in your application. This is a personal loan and interest is applied from the time you get your goods or services. The Pay in 4 feature is only available on certain Snap Finance products. Opt in is required, terms & conditions apply.