Snap Finance helps you to shop now, pay later and spread the cost over time.

Snap Finance - In-Store & Online Finance

CHECK YOUR ELIGIBILITY IN UNDER 2 MINUTES!

Borrow up to £5000 to spend on retail purchases, and pay it back over up to 48 months.

Fill out a short form to check your eligibility. Don't worry, we'll only carry out a soft search at this time so this won't impact your credit score.

Complete the online application form. Once you decide to take out the loan with Snap Finance, we'll carry out a hard search.

If you're approved, you can use your loan to buy eligible goods from participating retailers.

Eligible purchases include furniture, jewellery, and car accessories from big chains to local stores.

We make it fast, flexible and affordable.

Discover top retailers offering flexible payment options with Snap Finance! Check out these popular stores where you can shop and get the goods you need.

In order to apply with Snap, you’ll need the following:
✅ A valid UK debit card
✅ A UK-based address
✅ A mobile phone number
✅ An email address
✅ A weekly income of at least £200
✅ A deposit amount, the amount will be dependent on the retailer you choose.

We will initially run a soft credit check to assess your eligibility. This doesn’t affect your credit score. We also run checks to validate your income and ID, these do not impact your credit file score.

Before finalising your agreement, we will carry out a hard credit search with credit reference agencies, and identification verification checks.

Pay in 4 is a feature of the loan that allows you to settle your loan in full within 4 months and we’ll cancel the interest. This is called the Pay in 4 period.

The loan accrues interest calculated from the date the loan is taken out. The interest will only be cancelled if you fully repay the amount borrowed within the Pay in 4 period.

On your loan agreement and when reviewing your pre-contractual credit information, you will be given an estimated first payment date and amount based on an estimate of when your goods will be delivered.

Once delivery is confirmed, you will receive an email confirming exactly when your first payment is due, based on the frequency/date you initially selected.

Visit our FAQs page for more frequently asked questions.

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

Key in your details, and
we'll do the rest.

Our top-rated customer
service team is always
here to help.

We understand circumstances
can change, and we'll support
you all the way.

Snap it up

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Fill out our short form, and that purchase
you've been dreaming of could be yours today.

Take control of your finances by estimating your monthly payments with our user-friendly loan calculator. Knowing your payments upfront helps you plan better and make informed decisions. Click 'Calculate Loan' and see how easy it is to budget for your purchases!