Buy that dream sofa on finance

At Snap we offer fast and flexible loan products to help you spread the cost of your next sofa.

Snap at Checkout
Visit any of our online furniture retailers where you can choose Snap at the checkout. Once you select Snap Finance as a payment option you'll be redirect to our application form.

The application process is simple and can be completed online, with your eligibility being determined in minutes. Our flexible repayment options allow you to choose the repayment plan that best fits your needs and budget. An initial “soft check” is performed so applying won’t hurt your credit score. Please note, a hard check is performed at the point you take the loan.

Snap Card
Snap Card enables you to apply for a loan and if approved add the funds to a virtual card which you can then use to spend all our retailers, whether in-store or online. You can add your Snap Card to Apple Pay or Google Pay. This loan lasts for 30-days, at which point we calculate what you have spent and therefore this becomes the amount you pay back over a term that works best for you. 

Snap Finance's "Pay in 4" feature allows you to split the amount of a purchase into four equal payments. This feature is only available through our retailers, and not Snap Card.

When you apply for a Snap Finance loan you can select our Pay in 4 feature which in essence cancels all interest payable on your loan providing you clear off the original balance of your purchases within that 4 month period.

If you select Pay in 4 and your circumstances change and you can’t pay the balance off in 4 months, your payments transform into an interest-bearing loan over the period you’ve selected which allows you to pay it off longer and reduces the immediate impact of paying things off with higher lump sums.

Overall, this feature simplifies financing and helps you manage your expenses more effectively.

For more information about Pay in 4, please click here to visit our dedicated Pay in 4 product page.

Once approved, you’ll receive a Snap Card which you can access by downloading the Snap Wallet app. The loan applied to your Snap Card is only valid for 30-days. You can use it online or in stores by entering the 16-digit card number, expiry date, and security code. Alternatively you can add your Snap Card to Apple Pay or Google Pay to make paying that little bit easier.

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.

You have two ways to apply for a finance plan.

You can visit one of our sofa stockists and apply for a Snap Loan at the checkout. Alternatively, you can apply for a Snap Card, which allows you to spend your loan across multiple stores.

The application process is the same for both options. It only takes a few minutes to apply, with a decision provided in seconds. You can choose a repayment term that suits you and select a repayment date that aligns with your income schedule.

We work with a wide range of furniture and sofa retailers that offer flexible payment options, allowing you to spread the cost of your purchase through affordable weekly or monthly repayments. These include Honeypot Furniture, Furniture Direct Online, and Pay Smart Home.

Across the Snap retailer network, a number of our partners offer the option to spread the cost of your new sofa using interest-free credit. This is subject to application and eligibility. For more information, please contact Cozy Sofas, KC Sofas, Furniture Direct Online and Honeypot Furniture.

We're a responsible lender, meaning we never offer loans we don't think you could comfortably afford to pay back. To make sure we're getting this right, we'll 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. If the checks are not satisfactory, we may decline your application. If we decline your application, we will let you know via email.

To find out more about how Snap runs a soft credit check, click here.