Looking for an Outdoor Furniture loan?

Get a loan from £250 to £3,000 to spend on outdoor garden furniture such as rattan garden seating, artificial grass, outdoor heaters, BBQs and pizza ovens. Spread the cost and pay monthly for a new outdoor & garden set.

CHECK ELIGIBILITY
Garden Furniture on finance

Representative Example

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 Outdoor Furniture for your garden shouldn’t be stressful. 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

Apply online

Check your loan eligibility in minutes - with no impact on your credit score.*

Get your card

Get your card

We make a decision in seconds*. Once approved, your loan is instantly available in your Snap Wallet app.

Start spending

Start spending

Your loan is available to spend for 30 days. Use it across multiple stores, online or in-store.

Repay loan

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 Outdoor and Garden stockists, in-store or online.

Donaghy Bro
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Euronics
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Dr Electrical
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Power Appliances
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Pay Smart Home
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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.

How do I use

Quick & Easy 4-step application

Apply online from the comfort of your home. Our simple 4-step application takes just minutes.

Repayments

Get a decision in seconds

To reduce the stress of finance - using all the information you provide, we’ll make an instant decision.

Is pay in 4 included

Spend across multiple retailers

Use your Snap card to spend your loan within 30 days at 1,000s of stores, online or in-store.

APR

Credit building opportunity

On-time repayments with Snap Finance can boost your credit score.

Common customer questions...

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.

Where can I find rattan garden furniture?

Snap has partnered with many leading rattan garden furniture retailers to offer our customers versatile lounge sets, corner sofas, dining sets, and cozy hanging egg chairs. Click here to view a list of leading rattan garden furniture retailers.

Who are the top rated garden furniture retailers?

It depends on what you're looking for whether thats premium garden furniture, outdoor furniture on a budget or specialist outdoor furniture.

Premium garden furniture
- Honeypot Furniture stockists modern and premium ranges of garden furniture including garden seating, fire pit tables and garden corner seating sets.

Garden furniture on a budget
- Buy Sheds Direct offers a wide range of garden furniture at very competitive prices, making it an ideal choice for anyone kitting out their garden on a budget.

Specialist outdoor furniture
- Pay Smart Home stocks a wide range of specialist outdoor furniture, from rattan corner seating sets and ice bucket table sets to outdoor seating designed specifically for pets.

Where to buy weatherproof garden furniture online

Snap partners with many garden furniture retailers who offer a wide range of products that are weartherproof and suitable to be kept outside all year round. Click here to view a list of weatherproof garden furniture online retailers.

What are the affordable rattan garden furniture options?

When looking for affordable rattan garden furniture, there are plenty of options available to suit different budgets and styles. Whether you’re looking for premium outdoor garden sets, garden furniture on a budget, or specialist outdoor designs, our range of retailers offer choices for all needs. Spread the cost with our retailers such as Pay Smart Home, Honeypot Furniture, Dunelm, and Euronics, all of which provide a variety of rattan garden furniture sets to help you create a comfortable and stylish outdoor living space.

What is the most durable material for outdoor furniture?

When it comes to garden furniture, a wide range of materials are available. The most durable option will depend on whether your priority is maximising lifespan, minimising maintenance, or achieving a natural aesthetic. It’s always best to consult your chosen retailer for specific advice, but in general, the following materials are considered among the toughest and longest-lasting:

Natural wood is a good option for longevity, provided it is maintained annually. Using natural oils or specially formulated outdoor paints helps protect the wood from moisture, rot, and insect damage, ensuring it remains durable over time.

Powder-coated aluminium is an excellent low-maintenance choice. It is naturally rust-resistant and weatherproof, while also being lightweight yet strong. This allows furniture to remain outdoors throughout the year with minimal upkeep.

Poly lumber is an ultra-durable synthetic material made from high-density polyethylene (often recycled plastic). It is highly resistant to moisture, UV fading, rot, and insect damage, making it another very low-maintenance option for outdoor furniture.

Stainless steel is extremely strong and corrosion-resistant. Garden furniture made from this material can withstand heavy use and extreme weather conditions. It is commonly used in modern designs and is often combined with other materials to create a sleek, durable finish.

What is the best garden furniture set for small patios?

To choose the best garden furniture set for a small patio, start by determining your needs. This could range from a simple two-seater, a compact four-piece table set, or a small three-seater corner sofa. Whether you’re looking for stylish, space-efficient, or weather-resistant furniture, our retail partners offer a wide range of options designed to suit every small outdoor space.

Can garden furniture be left on grass?

Yes, garden furniture can be placed directly on grass or artificial grass, but there are some important considerations you need to know to protect both your outdoor furniture and your lawn.

Moisture from the grass can cause wooden furniture to warp, rot, or develop mold, while metal furniture may rust, leading to damage.

However, there are ways to protect your garden furniture whether it’s made using rattan, wood, or metal. Using mats, pavers, or protective feet can help prevent moisture damage and lawn indentations. It’s always a good idea to check with your retailer for specific care recommendations for your furniture.

When should I cover garden furniture?

It’s important to cover all types of garden furniture whether thats table sets, outdoor seating, BBQs, or heaters to protect them from weather damage. Regardless of the season, we recommend using appropriately designed covers after each use to extend the life of your furniture. For more guidance on the best covers for your items, speak to any of our retailers.

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Don't take our word for it...

Here's what our happy customers like best about Snap Loan:

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

Louise Anderson

6 August 2025

Spoke to Lola who was very helpful and sorted out my issue very quickly. Great customer service :)

Brian Sharpes

3 August 2025

I’m impressed by the company

gary stephen livsey

1 August 2025

Yvette was very polite and knowledgeable on the phone. she explained to myself, all the different ways forward, to pay off my finance arrears. She also maded sure this was an agreement that I could afford to do, to pay off all my arrears. Thanks Yvette.

Representative 29.9% APR