Snap Card and Pay in 4
We have put together a list of frequently asked questions to help you with your application.
How do I apply?
You can apply online by clicking here, which will take you through to our application form.
Will this affect my credit score?
We carry out a 'soft' search on your credit file to determine if you're eligible. This will not negatively impact your ability to obtain credit elsewhere but will allow us to decide if we can offer you a loan. Should you proceed to make a full loan application, a record, or 'hard' search will be registered on your credit file.
Why have I been declined?
We may decline your loan application if you do not meet our eligibility criteria or affordability criteria. If you have made an application within 30 days, the system automatically prevents a new application.
I have been approved but can't find my application details.
Please contact us on 03300 109381 and we will send you or text you a link.
I have been approved what do I do next?
If you have already chosen a retailer contact them directly, alternatively our retail finder will allow you to search for a local, national or online retailer.
I have been approved but I am not ready to pay the deposit yet, how long do I have?
You have 30 days from application to place your order and pay your deposit before your finance offer expires. After this date you will need to make a new application.
What is the deposit amount?
This depends on the retailer you have chosen, please contact them direct or call us on 03300 109381 to discuss it.
Can I change my retailer if I have not yet paid the deposit?
Yes, if you have chosen your new retailer then please call us on 03300 109381 and we will be happy to change it for you.
If you have not yet chosen your retailer, please look on our retail finder.
How do I find a retailer local to me?
Our retail finder will allow you to search for a local, national or online retailer.
I have been denied, when can I re-apply?
If you have been denied and it is your first time of applying, please wait 30 days before making a new application. If you have been Approved for finance and have made a new application within 30 days, then it is possible that you have been denied due to having a duplicate application. If this is the case, please call us on 03300 109381 and we will look into your application.
Manage your account from your phone
Manage your account by text
Prefer to use your phone without calling?
Text us for instant account management.
Text:
07860 078257
'PAY' to make payment 'NEXT' to check next payment date and amount 'BALANCE' to check your balance 'HI' to speak to a real person
For security, please text from the mobile number linked to your Snap account and have your 10-digit reference number (ending in UK) ready.