You're still in reach of new furniture
We're sorry you're not eligible for V12 finance. But don't worry.
The good news is you could still spread the cost with Snap Finance.
A soft check is carried out to check your eligibility. A hard credit search is required at point of completion.
£1 deposit
only
Spread the cost up to 4 years
Spend up to
£5,000
Pay in 4 months and pay no interest**
What could my monthly repayments look like?
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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 'Apply at Checkout' button above. The rate you receive will be dependent on your personal circumstances.
Sterling Furniture Group Limited trading as Sterling Home is authorised and regulated by the Financial Conduct Authority (672436). We are a credit broker, not a lender, and offer credit facilities from Snap Finance. Snap Finance Limited act as the lender. Snap Finance receives a commission, 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.
Representative 29.9% APR
Representative example: Cost of goods £1,200, deposit £1, amount of credit £1,200, annual fixed interest rate 26.47%, monthly payment £65.28, term 24 months, total payable £1,566.62
How a Snap loan works
Choose your goods and add them to your basket
Select 'Snap Finance' as your payment option at checkout
Complete the application and get a decision in seconds*
Arrange delivery and make repayments on a term that suits you
* A soft check is carried out to check your eligibility. A full credit check will be carried out upon taking the loan which may affect your credit rating. The Pay in 4 feature is only available on certain Snap Finance products. Opt in is required, terms and conditions apply.
Spread the cost with Snap Finance
- Rates from 19.9% APR
- £1 deposit
- Choose your term up to 4 years
- Get a personalised offer with no impact on your credit file*
- Pay in 4 feature**
*A soft check is carried out to check your eligibility. A hard credit search is required at point of completion.
**Pay in 4 is a feature that allows you to split your loan into 4 monthly repayments with no interest. If you don't repay the full amount within 4 months, your loan will revert to the chosen term and agreed interest rate. The loan accrues interest calculated from the date the loan is taken out.
Frequently asked questions
Who is Snap Finance?
Snap Finance Limited is a UK lender regulated by the Financial Conduct Authority. Sterling Home acts as a credit broker and introduces customers to Snap Finance. Snap makes the lending decision and manages your agreement.
How do I apply?
Add your items to your basket, go to checkout and select Snap Finance as your payment method. You will be taken to Snap's short online application and usually get a decision in seconds.
Will applying affect my credit score?
Snap carries out a soft search to check your eligibility, which does not affect your credit score. A hard credit search is carried out if you go ahead and take the loan.
Who can apply?
You need to be at least 18, a permanent UK resident, have a regular income of at least £200 a week, and an active current account that can accept Direct Debits.
What is Pay in 4?
Pay in 4 lets you split your loan into four monthly repayments with no interest. If the full amount is not repaid within four months, the loan reverts to your chosen term and agreed interest rate. Interest accrues from the date the loan is taken out. Pay in 4 is only available on certain Snap products and you need to opt in.
How do I qualify to apply for Snap Finance?
You are at least 18 years old
You are a permanent UK resident
Receive a minimum of £200 weekly income
Active current account that can accept Direct Debits