Finance Available

What is or who are ‘Snap Finance?’

We have partnered with Snap Finance to give you a number of flexible finance options.

To be eligible you must meet the following Minimum criteria:

– Must be 18+
– Minimum £200 weekly income
– Resident in the UK (Doesn’t include Scotland)
– Active current account that accepts Direct Debits
– Valid Debit or Credit Card

SNAP Finance FAQ

Q1. What is the easiest way to apply?

A. The easiest way is to select the payment option of ‘Snap Finance’ during the checkout process on our website, you will then be asked to fill out the finance request forms and place your order as part of the checkout process. The credit check is usually carried out in a few minutes and the order will be automatically processed by us once Snap Finance has confirmed that the finance has been granted.

If you use this option you don’t need to do anything else once you have completed the order in the checkout process.

Q2. Are there other ways to apply for finance from Snap?

A. You can also apply online directly at the snap website or over the phone on 03300 109381 and sales staff will assist you with the entire process. The finance company will conduct the necessary credit checks and references in order to confirm your eligibility for the credit application.

Q3. How much can I borrow?

A. The minimum lending amount in addition to the upfront deposit is £215 (For example, total purchase price of £999 with £15 deposit). The maximum loan amount is £2,500.

Q4. Is a deposit required?

A. Yes. If your credit application is accepted, you will be required to pay a minimum £15 deposit, using a credit or debit card. The amount of the deposit is displayed in the credit summary throughout the credit application and on the credit agreement itself.

Q5. What is the APR?

A. The annual percentage rate (APR) is displayed clearly on the credit summary and throughout the credit application process. It is also shown clearly on the credit agreement itself.

Q6. How are my monthly payments made?

A. Monthly repayments will be taken via direct debit from your bank account. The finance company will inform you of the date that your repayments will commence. The first payment is typically due 7 days following the date of delivery of your order.

Q7. Which products can I buy on finance?

A. Not all products are available on finance. Please check out the specific product you are interested in to see if it qualified. Finance may not be available during a sale period.

Q8. What are the the repayment schedule options available?

A. 3 months, 9 months, 12 months, 15 months.

Q9. Can I pay off the loan early?

A. Yes, you have the right to repay all or part of the credit early at any time by contacting the finance company. Please note that interest rates will be adjusted accordingly.

Q10. How much does the loan cost?

A. The total cost of the loan is shown on the finance agreement.

Q11. Are there any other charges?

A. If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in the credit agreement.

Q12. How long does it take to apply?

A. The online application takes a few minutes to complete and successful applications are processed straight away.

Q13. What are the requirements for finance?

A. You must be over 18 years old and a permanent UK resident with 3 years of address history. You must have a UK bank account capable of accepting direct debits.
The goods must be delivered to your home address and the deposit must be paid using a credit or debit card.

Q14. Can I cancel the credit agreement?

A. You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement)

Q15. Contact Details for Snap?

A. To contact Snap Finance please click on the following link or contact their customer services on : 03300 109381

Snap Finance