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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.

How do I apply?

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**

*A hard credit search is required at point of completion.

Girl in a phone checking it's finance options

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're 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.

**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 £1150, Annual Fixed Interest Rate 26.47%, Monthly Payment £62.56, Term 24 months, Total Payable £1551.44, Representative 29.9% APR

Calculate your payments

Loan Payment calculator

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

Loan amount £

Enter the loan amount you are considering.

£250

£5075

Loan term months

Enter the loan term you are considering.

18 months

48 months

APR 29.9%

This quote is based on the Representative APR.

Representative Example: Cost of Goods £1200, Deposit £50, Amount of Credit £1150, Annual Fixed Interest Rate 26.47%, Monthly Payment £62.56, Term 24 months, Total Payable £1551.44, Representative 29.9% APR

Repayment

£ per month

Repayment term

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?

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 Decision

Will I be accepted for finance?

When making your application, Snap will make an assessment on your eligibility, credit history, and affordability. When assessing eligibility, Snap conducts a 'soft' search on your credit file to assess loan affordability and repayment likelihood. Be aware that once your application is finalised, a 'hard' check will appear on your credit file.

What happens if I have been declined?

If your application is declined, Snap may not be able to provide you with the specific reasons why. Snap refers to credit report data, along with your financial details, to make lending decisions. If you feel as though there may have been a mistake, contact Snap directly using the contact details provided in the email notifying you of your unsuccessful application.

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

To cancel your finance agreement, please arrange to return your purchase or cancel the services. Once we have confirmed cancellation, we will advise Snap to cancel your finance agreement and refund any payments that you have made. You can exercise this right to cancel your finance agreement within 14 days, beginning the day after you have entered into the agreement.

Things to know before signing your loan agreement

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?

Upon approval and completion of your purchase, you will be required to sign your loan agreement. Once signed, you will receive a copy via email.

For any questions or concerns, Snap's customer support team will be able to assist.

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

For enquires about your loan, including Direct Debit setup or personal details updates, please text the word HI to 07860 078257 or email customer@snapfinance.co.uk.

Payments & order

How do I make my contractual payments?

Snap will assist you in setting up convenient, pre-authorised direct debit payments through your bank account.

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

For security reasons, goods can only be delivered to your home address. If you have recently moved address, please contact Snap's customer service team on 03300 109381 to update your address.

I want to change my Direct Debit details

Contact the Snap customer service team directly by texting the word HI to 07860 078257 to discuss any amendments to your direct debit.

I haven't received my goods or service

If you haven't received your goods, please contact us directly and we will help you.

I want to make additional payments

If you wish to make additional payments, please text the word PAY to 07860 078257 in order to make a secure payment or email customer@snapfinance.co.uk.

Cancellations & returns

I want to return my goods and cancel my finance agreement

If you wish to return your goods and cancel your finance agreement please contact us directly to arrange the return or cancellation of the item or service. Once confirmed we will contact Snap directly.

You can text the word HI to 07860 078257 or email customer@snapfinance.co.uk.

Alternatively, contact Snap with any queries on 03300 109 381 to arrange the return or cancellation.

Your personal or financial circumstances

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 customer@snapfinance.co.uk.

Use of your personal data

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?

Are at least 18 years old

You are a permanent UK resident

Receive a minimum of £200 weekly income

Have a valid Debit/Credit card to make the deposit payment

Active current account that can accept Direct Debits

K C SOFAS LIMITED trading as K C Sofas is authorised and regulated by the Financial Conduct Authority (784938). We are a credit broker, not a lender, and offer credit facilities from Snap Finance. 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.

Pay in 4

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