Snap Finance UK Reviews 

This company are a joke that is all I have to say for this company it’s one rule for one and one for another and certain people are targeted because of who they are !!

Missed some payments sure to seriously injure that need ops to sort out spoke to them about payment plan even adding a few extra months to sort out debt with them but they can’t even do that there willing to set payments back up but email stats if arrears don’t get cleared it will default anyway useless company for help
Thank you for your email and completing the form.
There Email,
We will review the information provided and update both of your accounts with the agreed payment arrangement.

Please be aware that while we can set payments on the accounts, if the existing arrears are not cleared, we may be unable to prevent the accounts from defaulting or being passed to our collections process.

If you require anything further in the meantime, please let me know.

Kind regards

I have used snap finance a few times now and found them really helpful.
The fact you can text for an update is a brilliant service
I cannot praise them enough

Very helpful Very polite I told them what my problem was they said they where at fault and sorted it straight away giving me a good will gesture

easy to apply and use the loan i did apply as i had used snap previously and the experience was the same simple application
i only gave four stars as the use of the loan is limited to certain sellers and many on the list did not actually accept the payment when tried

So, I've been a customer since Christmas 2024, in all this time the app and website wont log me on, at all... I have run the account perfectly fine, comes out every month the day after my payday. Get an email and text before my DD comes out but the app and website are grim. It wont log me on at all. Saying that my email and mobile aren't recognised. Yet... they text and email me each month perfectly fine on them. Come to the point now im just going to pay off the outstanding balance and move on. For me, I'll be glad to see the back of this agreement.

Really quick and simple to apply.they let you know in advance when their taking a payment ,or if it alters due to bankholidays etc.i would recommend this company to anyone, interest is a bit high to be honest.but other than that no problems at all.

Good customer service and helpfull staff. Highly recommend.

I am extremely disappointed with my experience with Snap Finance.

I contacted them to arrange a payment date change, and I was specifically told in writing that my Direct Debit date had been updated to the 28th of the month. I also received written confirmation of my next payment dates.

Despite this, I then started receiving arrears messages saying my payment was overdue and that my credit file could be affected. When I contacted them, I was told this was an “automatically generated” notification and that it could be ignored.

Now, despite being told the payment date had been changed and that the previous notification could be ignored, Snap has still attempted to take £100.07 from my card early, causing further stress and confusion.

Being told one thing in writing, then receiving arrears warnings, texts threatening another payment attempt, and an actual debit attempt anyway is unacceptable. It creates unnecessary worry and makes it very hard to trust what you are being told.

Customers should not have to deal with conflicting information, failed debit attempts, and repeated stress after agreeing a payment arrangement in writing.

Honestly a great company to work with I paid for my item over 4 years and never had any problems you can check your balance via text and you get a quick response honestly would recommend this company to anyone needing a large item on pay monthly

I don't usually get accepted for finance but snap finance did 🙂 helped me get a brand new sofa

Amazing helpful and resolved the problem

It was a pleasure to deal with use i would highly recommend 👌

Excellent customer service

I cancelled but your insisting that I have to pay and you have taken an amount out of my bank without my permission also you have reported to credit agent that I have got behind with payments. I have not used your money or the account and not done any of the study I didn’t even receive any of programme because I 😡 I did not get any help the numerous times I have been intouch and felt that customer service did not care the stress and inconvenience they have caused

Just really good to have when you get abit short after payday its a very big help know that it is there when you need it

Amazing would definitely recommend. Very helpful and easy to use

After leaving what can only be described as a very disappointing review yesterday following a disappointing experience I am pleased to say that Snap Finance rectified the problem. I received a call from a very helpful lady called Tina from the Customer Service team who was able to resolve my issue and provide the redemption figure so I could settle my finance early.

It’s a shame that trying to get hold of the customer service team by phone is so frustratingly difficult and that the ring back service doesn’t work, because when you actually speak to someone they are very helpful.

First impressions mean a lot and it’s a shame that my first impression was marred by my experience when in fact they can deliver excellent customer service. It’s a shame it took a complaint (more than one) to get this sorted.

My only comment (I hope is taken as constructive criticism) is they need to improve their helpline and ring back service and then it would all be great.

But thank you for eventually restoring my faith and resolving the issue.

Disappointed after almost finishing my account only 3 payments left ran into difficulty they said sorry agreed payment plan then sent account to debt collector
update 8/5/26 no contact still

Absolutely shocking experience dealing with Snap Finance.

Despite there being acknowledgment that parts were not supplied correctly for my vehicle, it has taken nearly 3 years for anyone to properly contact me regarding the issue. During this entire time, the matter has remained unresolved while I have been left dealing with the financial stress, vehicle issues, and ongoing inconvenience caused by the supplier and poor handling of the account.

The only parts actually supplied were an amplifier and two front speakers, which I have already stated I am willing to pay for. However, other items invoiced were either not supplied, not compatible with my vehicle, or caused further damage due to incorrect installation and wiring issues which resulted in a short circuit and additional repair costs.

Instead of resolving the dispute fairly and correcting the account, Snap Finance have now proceeded to issue formal demands for payment and threaten adverse credit reporting before the matter has even been properly rectified.

The letter states:

“We formally demand that you pay us the total amount to be paid as shown. Failure to do so may result in further action being taken against you.”

Outstanding Balance: £2326.32

I find it unacceptable that a company can acknowledge concerns and still pursue enforcement action for disputed amounts without fully investigating the supplier’s failures first.

Communication has been extremely delayed, stressful, and disappointing throughout this process. Customers should not be left chasing answers for years while being threatened with defaults for goods and services that were never properly supplied.