Representative Example
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 £1566.72, Representative 29.9% APR
4 Steps to Snap!
We make financing fast, flexible and affordable.
Apply online
Apply now by clicking ‘Check Eligibility’. The process is simple and will not impact your credit score.*
Get your card
You can get a decision in minutes. Once approved, your card will be loaded with your budget in the Snap Wallet app.
Start spending
Spend over the next 30 days up to your budget, in-store or online. You can spend at multiple retailers of your choice.
Repay loan
These purchases will combine into one loan. You’ll pay for the amount you spend, on a monthly term that suits 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 Sofa and Chair stockists, in-store or online.
Honeypot
Home Living Outlet
Argos
Furniture Direct Online
Pay Smart Home
Dunelm
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.
Quick & Easy 4-step application
Apply online from the comfort of your home. Our simple 4-step application takes just minutes.
Get a decision in seconds
To reduce the stress of finance - using all the information you provide, we’ll make an instant decision.
Spend across multiple retailers
Use your Snap card to spend your loan within 30 days at 1,000s of stores, online or in-store.
Credit building opportunity
On-time repayments with Snap Finance can boost your credit score.
Your Snap Loan questions, answered!
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.
Have more questions?
Visit our FAQs page for more frequently asked questions.
Blogs
How to Improve Your Chances of Getting Retail Financing
27 February 2025
Retail financing can help spread the cost of purchases over time, but successful approval requires careful preparation.
How Payment Plans Can Help You Stay in Control of Your Budget
27 February 2025
Payment plans let you spread costs while staying in control of your money.
Retail Financing Explained: How It Helps You Manage Purchases
27 February 2025
Retail financing services provide consumers with flexible payment options, allowing them to spread the cost of purchases over time.
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
Ruth Hutson
29 July 2025
Pleasant polite and very helpful