Our additional loan products
Designed to fit your needs and make life more affordable. These products are not available online, but can be accessed through specific retail partners. Explore financing options that work for you—on your terms.
What is the retail loan?
Our retail 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, 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!
*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.