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

Snap Finance - In-Store & Online Finance At Your Fingertips

Borrow up to £5000 to spend in over 500 selected retailers, and pay it back monthly.

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You can spend at multiple retailers with your Snap Loan. Go to our Where You Can Spend page to see a full list of retailers where you can spend with your virtual card.

Apply now by clicking ‘Check Eligibility’. The process is simple and will not impact your credit score.*

You can get a decision in minutes. Once approved, your card will be loaded with your budget in the Snap Wallet app.

Spend over the next 30 days up to your budget, in-store or online. You can spend at multiple retailers of your choice.

These purchases will combine into one loan. You’ll pay for the amount you spend, on a monthly term that suits you.

We’re not a credit card. We put your loan on a virtual card to make it easier for you to pay for your goods and services across selected retail partners. Spend in line with your budget and track your purchases through our Snap Wallet app.

*A full credit check will be carried out upon taking the loan which may affect your credit rating.

Once approved, manage your virtual card by downloading our Snap Wallet app.

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Once approved, you’ll receive a virtual 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.

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.

Yes, Pay in 4 is included. This feature of the loan allows you to settle in full within 4 months and Snap will cancel the interest. Opt in is required. For more information about Pay in 4, click here.

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.

Key things to know about your virtual card.

Visit our FAQs page for more frequently asked questions.

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