Personal Loans

What could you use the loan for?

Borrow from £1,000 to £7,500 to use towards life's biggest moments to everyday purchases — the choice is yours.

Home Improvements

New kitchen, bathroom, extension or garden

Holiday & Travel

Fund your dream trip, city break or getaway

Buying Car

Upgrade your vehicle or cover a deposit

Special Occasion

Make your special day everything you imagined

Education

Courses, qualifications or professional training

Home Furniture

Give your home a fresh new look and feel

Short Term Cash

Need cash to pay for an unexpected event

Debt Consolidation

Combine debts into one fixed monthly payment

A Snap Personal Loan must not be used for illegal or restricted purposes. Please see our Terms and Conditions for full details.

Check Eligibility

Flexible borrowing, built around you

Borrow an amount over a term that suits you. Apply in minutes with a decision in seconds.

Loan amounts

Borrow what you need

£1,000 – £7,500

Repayment terms

Choose your timeline

18 – 48 months

APR range

Rates from 19.9%

19.9% – 49.9%

Fund transfer

Once approved

2 working days

Check Eligibility

Representative Example

Loan amount

£5,000

Loan term

24 months

Annual interest rate (fixed)

26.47%

Representative APR

29.9%

Monthly repayment

£272

Total repayable

£6,528

29.9% APR representative. Rates between 19.9% and 49.9% APR. Credit subject to status. Not all applicants will receive the representative rate.

Frequently asked questions

How soon will the loan be paid into my bank account?

Your loan will be paid into your bank account via an overnight transfer. This means the funds will be available within 2 working days of you signing your loan documents.

Can I amend my loan amount after I have applied for a loan?

If you have been approved for a loan but have not taken the full amount, it may be possible to adjust the loan amount. You will need to contact our customer service team to make this change.

However, if you have already taken the full approved loan amount, the loan cannot be amended.

Can I pay the loan into a different account to the one I’ll repay with?

No — for security and compliance reasons, the loan must usually be paid into and repaid from the same bank account. This helps us verify your identity and ensure repayments are taken from the correct source.

Card Issuer - Terms & Conditions

Complaints

Customer Survey - Terms and Conditions

B2B Prize Draw Terms and Conditions

Refer a Friend

Snap Finance Limited, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB

Snap Finance Limited is authorised and regulated by the Financial Conduct Authority with Firm Reference Number 741813. The Register is available here. We are members of the Finance & Leasing Association and adhere to the FLA Lending Code.

Snap Finance Limited reserve the right not to extend credit. Terms and Conditions Apply. Missing payments could have consequences, including legal proceedings and could make it more difficult to obtain credit in the future. If you are experiencing financial difficulty you can get free money advice here:
www.stepchange.org | www.nationaldebtline.org | www.payplan.com

The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk.

*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 £1,566.72, Representative 29.9% APR.

Representative 29.9% APR