4 Steps to Snap!
We make financing fast, flexible and affordable.
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.
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.
Get your loan
If you're approved, you can use your loan to buy eligible goods from participating retailers.
Start spending
Eligible purchases include furniture, jewellery, and car accessories from big chains to local stores.
Join the thousands of customers who have already chosen Snap
Why Choose Snap Finance
Seamless Purchasing Process
Our direct payment system to retailers removes complexities, enabling an immediate and smooth shopping experience.
Quick Decision Making
Our swift approval process reduces wait times, allowing you to move forward with your purchasing plans without delay.
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
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
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
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.
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.
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.
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.
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.
Friendly
service
Our top-rated customer
service team is always
here to help.
There
for you
We understand circumstances
can change, and we'll support
you all the way.
