Flexible loans for your dream bed

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

Bed

4 Steps to Snap!

We make financing fast, flexible and affordable.

1

Check eligibility

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.

2

Apply online

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

3

Get your loan

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

4

Start spending

Browse our selection of bedroom furniture retailers from, big chains to local stores and start spending.

Join the thousands of customers who have already chosen Snap

Why Choose Snap Finance

Seamless Purchasing Process

Seamless Purchasing Process

Our direct payment system to retailers removes complexities, enabling an immediate and smooth shopping experience.

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Quick Decision Making

Our swift approval process reduces wait times, allowing you to move forward with your purchasing plans without delay.

Credit Building Opportunity

Credit Building Opportunity

Making regular, timely repayments with Snap Finance could positively influence your credit score, enhancing your financial profile over time.

Dedicated Customer Support

Dedicated Customer Support

Our customer support team is always ready to assist, offering guidance and answers throughout your finance journey, ensuring you have a seamless experience.

Latest Offers

ICF image25 percent off

25% off at Italian City Furniture

Revamp your space with a touch of
elegance & spruce up your home!

Funky Bunk Beds10 percent off

10% off at Funky Bunk Beds

Save space within your home with Funk Bunk Beds unique furniture.

JMH Beds10 percent off

10% off at JMH Beds

Enjoy 10% off at JMH Beds - where style meets comfort.

SHS image20 percent off

20% off at Sleep Happy Shop

Sleep soundly and save! Because a
happy sleep is the best kind of luxury.

HP image10 percent off

10% off at Honeypot Furniture

Bring style home. Affordable elegance
for your everyday spaces!

What could my repayments look like?

Select Loan Amount£

Enter the loan amount you are considering.

Loan Term

APR

%

Repayment

£

per

Total Repayment

£

Representative Example: Cost of Goods £1200, Deposit £50, Amount of Credit £1,150, Annual Fixed Interest Rate 26.47%, Monthly Payment £62.54, Term 24 months, Total Payable £1550.96, Representative 29.9% APR

Frequently Asked Questions

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What do I need to apply?

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.

Credit Building Opportunity

Does Snap run a credit check?

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

What is Pay in 4?

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.

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When do my payments start?

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.

Have more questions?

Visit our FAQs page for more frequently asked questions.

Green face smiling

Don't take our word for it...

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

Straightforward
process

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

Trustpilot feedback 1

Friendly
service

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

Trustpilot Feedback 2

There
for you

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

Trustpilot feedback 3

Ready to apply?

Representative 29.9% APR