Snap Finance is one of the ways to get items on instalment plans, especially when shopping for sofas and other home needs.
There are many options to enjoy buy now pay later purchases at your favourite merchants, with varying options like short-term to long-term plans.
Among the selling features of these instalment providers is interest-free financing, which you can utilise to get the products you need and repay with no extra charge.
Snap Finance
Max. Amount
£7,500
Credit Check
Yes
Type
BNPL
Tip: It allows up to 48 months plan with the short-term 4-month option being interest-free. For a longer period, it has varying interest rates of up to 29.9% representative APR.
If there is one payment plan tagged based on the popularity niche, that will be Snap Finance and Furniture, thanks to its number of sofa retail partners that will allow you to get products for your home in convenient instalments.
With up to 48 months of plan available at checkout, it is one of the longest periods to pay back for your purchases alongside providers like Novuna Finance and V12.
When you apply for Snap Finance, it will appear on your credit report since it performs a hard inquiry.
However, there is an eligibility checker at most of its retail partners you can utilise to know if you will qualify before applying.
While the maximum spend limit it provides is £7,500, your accessible credit will be based on your financial standing, the merchant, and the cart value.
You can enjoy interest-free usage with Snap Finance but you need to select the Pay-in-4 option when checking out your order.
The longer term comes with varying rates, between 19.9% to 29.9% in representative APR.
Popular Shops that Accept Snap Finance
Below is the list of popular online retailers where you can use Snap Finance for payment plans:
Beauty and Fashion Retailers that Accept Snap Finance
London Diamond Online
The brand offers a range of diamond engagement rings, wedding bands, and custom-designed pieces.
Aesthety
The salon offers skincare, dermal fillers, and non-surgical cosmetic procedures, while the academy provides training courses for aspiring beauty professionals.
Hatton Jewellers
It provides new and pre-owned jewellery products including engagement rings, wedding bands, bracelets, and necklaces.
Aesthetics by Melissa
Another brand specialising in beauty and cosmetic treatments, offering services such as Brazilian Butt Lift (BBL), facial aesthetics, and professional training programs.
Sofa and Furniture Shops that Accept Snap Finance
Furnishop
The platform specialises in home furniture and decor, offering stylish and functional pieces, including sofas, beds, dining sets, and storage solutions.
Reinforced Beds
The brand offers a range of heavy-duty bed frames and mattresses, including complementary products like sofas, armchairs, recliners, and more.
Italian City Exclusive Furniture
This retailer specialises in luxury, Italian-made furniture, offering a range of stylish pieces for living rooms, dining areas, and bedrooms.
Funky Bunk Beds
It deals in space-saving bunk beds designed for children and teenagers, offering a variety of fun designs for a playful bedroom.
Pay Weekly Carpets
It allows you to pay every week for flooring products. You may be required to pay a survey fee when using this provider.
Sleep Happy Shop
The brand also specialises in sleep products, offering a range of mattresses, bed frames, and accessories designed for comfort and support.
Pay Weekly Sofas
The company allows customers to spread the cost through weekly payments, making furniture more accessible and affordable for various budgets.
Pay Smart Home
It deals in furniture, flooring, sofas, mattresses, and beds, offering a wide selection of home essentials.
Couchek
It specialises in sofas and living room furniture, offering a range of stylish pieces designed to fit modern homes.
Divine Outdoors
It focuses on outdoor furniture and garden products like fire pits, giardino sofa sets, coffee tables, and accessories.
Honeypot
Another destination with a good collection of furniture, including items like sofas, mattresses, and others for dining, living, and bedroom set-up.
Simply Baby
The retailer specialises in baby furniture, offering a range of nursery items such as cribs, car seats, prams, pushchairs, changing tables, and storage solutions from different brands..
Furniture Direct Online
Another brand to purchase furniture from on instalment plans with items including armchairs, sofas, headerboards, mattresses, and more.
Auto Shops that Accept Snap Finance
Brandz Performance
The platform specialises in automotive parts and accessories, offering a wide range of products including car parts, performance upgrades, and vehicle maintenance essentials
AlloyWheels
It provides a variety of alloy wheels for different types of vehicles catering to car enthusiasts looking to upgrade or customise wheels.
Infinity Motorcycles Online
This retailer deals in motorcycle gear, accessories, and apparel, offering products including helmets, jackets, gloves, and bike parts.
Mobility Connect Prime
A brand in mobility aids and solutions, offering a wide range of products such as scooters, wheelchairs, and walking aids.
Parkgate Mobility
It also specialises in mobility solutions, offering a range of products including mobility scooters, rise and recline chairs, and custom mobility aids.
KMS Motorsports
The merchant deals in high-performance automotive products and accessories, offering items like brakes, engine parts, fuel systems, and others for tuning and upgrading vehicles.
Oakley Healthcare & Mobility
A healthcare and mobility solutions provider, offering a range of products such as mobility scooters, wheelchairs, walking, and daily living aids.
Others Shops that Accept Snap Finance
The DJ Shop
It specialises in DJ equipment and audio gear, offering products including turntables, mixers, speakers, and lighting systems.
Easy Boilers
It deals in boiler installations, repairs, and maintenance services, offering energy-efficient solutions for heating homes.
Diamond Blinds
This provider specialises in custom-made window blinds, offering a wide range of styles including roller, Venetian, vertical, and blackout blinds.
ElectroCare
It is into the sales of household appliances, including washing machines, refrigerators, ovens, and dishwashers.
Boiler Central
Another provider of boiler installations, replacements, and maintenance services, offering a range of energy-efficient boilers from leading brands.
The Learning People
An online education and professional certification training platform, offering courses in areas such as IT, project management, and digital marketing.
Complete List of Online Stores that Accept Snap Finance
You can use the table below to check all the shops where you can utilise Snap for instalment payments:
SHOP | CATEGORY | |
|---|---|---|
Aesthetics by Melissa | Beauty | * |
Aesthety | Beauty | * |
Affordable Sofas UK | Furniture | |
AlloyWheels | Auto | * |
Beds Divans | Furniture | |
Boiler Central | Electronics | |
Brandz Automotive | Auto | |
Cheshire Home Company | Furniture | * |
Comfy Sleeps Home | Furniture | |
Couchek | Furniture | |
Cozy Sofas | Furniture | |
Diamond Blinds | Home | * |
Divine Outdoors | Furniture | |
Easy Boilers | Electronics | * |
ElectroCare | Electronics | |
Elegance Home Furniture | Furniture | |
Endurance Beds | Furniture | |
ESB Furniture | Furniture | |
FTA Furnishing | Furniture | |
Funky Bunk Beds | Furniture | |
Furnico Living | Furniture | |
Furnishop | Furniture | |
Furniture Direct Online | Furniture | |
Furniture Story | Furniture | |
Hatton Jewellers | Jewellery | |
Honeypot | Furniture | |
Infinity Motorcycles Online | Auto | * |
Italian City Exclusive Furniture | Furniture | |
JMH Beds | Furniture | * |
Jolan Face Clinic | Beauty | |
KMS Motorsports | Auto | |
London Diamond Online | Jewellery | |
M Sofas | Furniture | * |
Mobility Connect Prime | Auto | |
Oakley Healthcare & Mobility | Auto | * |
Olympia Furniture | Furniture | * |
Parkgate Mobility | Auto | * |
Pay Smart Home | Furniture | |
Pay Weekly Carpets | Furniture | |
Pay Weekly Sofas | Furniture | |
Reinforced Beds | Furniture | |
Shawn Furniture | Furniture | * |
Simply Baby | Furniture | * |
Sleep Happy Shop | Furniture | |
Sofa Bliss | Furniture | |
Sofa Empire | Furniture | |
Sofa Emporium | Furniture | |
Sofa World | Furniture | |
The Bed Super Store | Furniture | * |
The DJ Shop | Electronics | * |
The Great British Sofa Company | Furniture | * |
The Learning People | Education | * |
The Online Sofa Shop | Furniture | * |
Windsor Furniture | Furniture | * |
* requires application outside the merchant portal.
With different merchants and payment plans, having Snap Finance at checkout allows you to conveniently spread the cost of your purchases. But payback on time within the first four months to avoid the extra interest charge.
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