Couple on couch

Shop now.
Spread the cost.

Snap allows you to get the goods or services you need
now and spread the cost up to 48 months to match your budget.

Check eligibility

Personalised credit for you.
Rates from 19.9% APR and terms up to 48 months.

Flexible finance

  • Rates from 19.9% APR
  • Choose your term up to 48 months
  • Low deposit
  • Get a personalised offer with no impact
    on your credit file*
  • Pay in 4 feature**

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 Snap will cancel the
    interest. This is called the Pay in 4 period.* This is a personal loan and interest is applied from the time you get your
    goods or services.
  • When you are approved you will have the option to select Pay in 4 or spread your repayments across the whole loan
    term. If you select Pay in 4 you will be set up on a shorter loan repayment schedule to clear your balance in 4 months,
    meaning that any interest will be cancelled.
  • * A hard credit search is required at point of completion
  • **The Pay in 4 feature is only available on certain Snap Finance products. Opt in is required, terms & conditions apply.

Representative 29.9% APR

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

Calculate your payments


Loan Payment Calculator

Use our loan calculator below to estimate how much your payments will


Enter the loan amount you are considering.

18 months

Enter the loan term you are considering.

18 months48 months

This quote is based on the Representative APR.

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


£0 per month

Repayment term

18 Months

Total repayment


Disclaimer: Snap Finance Limited reserve the right not to extend credit. Terms and Conditions Apply. Missing payments could have consequences, including legal proceedings and could make it more difficult to obtain credit in the future. In order to obtain your specific offer, you will need to apply using the get my budget button below. The rate you receive will be dependent on your personal circumstances.

Check eligibility

Frequently asked questions


Who are Snap Finance? cross

We've partnered with Snap Finance, who utilise secure technology to enable you to conveniently submit a loan application online. The application process is simple and can be completed online, with a decision in minutes. The flexible repayment options allow you to choose the repayment plan that best fit your needs and budget. Snap Finance understands that circumstances change and will always strive to help in instances in which you are experiencing personal/financial difficulty. Snap Finance is a convenient and reliable option to consider.

Finance Decisioncross

Will I be accepted for finance?cross

What happens if I have been declined?cross

Do I have the right to cancel & what is the 14 day cooling off period?cross

Things to know before signing your loan agreementcross

Before signing your Snap loan agreement, you will receive essential documents to review. Please ensure you understand the terms and information within these documents and reach out to Snap's customer support team if you have any questions.

When can I see my loan agreement?cross

Who should I contact if I have a question about my loan?cross

Payments & order cross

How do I make my contractual payments? cross

Can I request delivery to an address other than my home address?cross

I want to change my Direct Debit detailscross

I haven't received my goods or servicecross

I want to make additional paymentscross

Cancellations & returnscross

I want to return my goods and cancel my finance agreementcross

Your personal or financial circumstancescross

Life can bring unexpected changes. If you encounter difficulties with your online application or face uncertainty, reach out to the Snap customer service team for assistance. In cases of changing circumstances, please contact the Snap customer service team on 03300 109 381 and they will be able to assist. Alternatively, text the word HI to 07860 078257 or email

Use of your personal datacross

To process your application, you'll need to provide personal, employment, and financial information. Snap will use this data for creditworthiness and affordability assessments through one or more Credit Reference Agencies. Learn more about how Snap handles your personal data in their Privacy Policy.

How do I qualify to apply for Snap Finance?


Over 18 years
of age


You are a
permanent UK


Receive a minimum
of £200 weekly


Have a valid
Debit/Credit card to
make the deposit


Active current
account that can
accept Direct

DBZ Khan Ltd trading as Beds Divans is an Appointed Representative of Snap Finance Ltd which is authorised and regulated by the Financial Conduct Authority (Firm reference number 741813). Snap Finance Ltd act as the lender.

Credit subject to status. Terms and conditions apply.

Snap Finance Ltd is a company registered in England and Wales. Company Number 08080202 Registered address: Snap Finance Ltd, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB.