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

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

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 financing fast, flexible and affordable.

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 identity, 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 the expected delivery date of your goods.

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

Representative APR

Enter the loan amount you are considering.

Select Loan Amount

Loan Term

center

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

Check your eligibility in under 2 minutes!

Select Loan Amount£

Loan Term

Representative APR

Repayment

Total Repayment