Home Snap Finance
Enjoy now, pay over time.
Shop today & spread the cost your way.
Choose Snap’s 11-month interest-free plan or spread payments for up to 48 months with interest. Enjoy the freedom to get what you want, when you want it — no need to pay the full amount upfront.
How Do I Apply?
Pick your product
& add to basket.
Select Snap Finance at checkout
Complete the quick
online application
Once approved, arrange delivery
Choose the payment plan that suits you best
Personalised credit for you. 0% over 11 Months or spread the cost longer up to 48 months with interest.
11 Months Interest Free
Get your goods or services now, spread the cost and don't pay a single penny in interest.Split the cost of your goods over 11 months. Pay your deposit today followed by 11 monthly repayments.
This product is not regulated by the Financial Conduct Authority and does not fall under the jurisdiction of the Financial Ombudsman Service.
Spread the Cost
- 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.
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 £1, Amount of Credit £1199, Annual Fixed Interest Rate 26.47%, Monthly Payment £65.23, Term 24 months, Total Payable £1566.52, Representative 29.9% APR
Find a plan that fits you.
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
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 £1, Amount of Credit £1199, Annual Fixed Interest Rate 26.47%, Monthly Payment £65.23, Term 24 months, Total Payable £1566.52, Representative 29.9% APR
Repayment
£10.88 per month
Repayment term
18 months
Total repayment
£311.12
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 'Check Eligibility' button below. The rate you receive will be dependent on your personal circumstances.
SKS BEDS LTD trading as Furniture Direct Online is an Introducer Appointed Representative of Snap Finance Limited which is authorised
and regulated by the Financial Conduct Authority (Firm reference number 741813). Snap Finance Limited act as the lender
Snap Finance receives a commission (Merchant Discount Rate), this does not affect the terms of your loan.
Credit subject to status. Terms and conditions Apply.
Snap Finance Limited is a company registered in England and Wales. Company Number 08080202 Registered address: Snap Finance
Limited, 1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB.
Snap Finance FAQ
Frequently asked questions
Who are Snap Finance?
Who are Snap Finance?
Who are Snap Finance?
Who are Snap Finance?
Who are Snap Finance?
Who are Snap Finance?
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