Take home the smart recliner sofa you love today – and spread the cost over time with Snap Finance Loans from REKLINE Ltd. Applying is fast, simple, and designed to give you an answer in seconds.

⚡ Fast Snap Finance Application

Apply online in under 2 minutes with the Snap Finance application via REKLINE Ltd. Your credit score stays safe with a soft check first. If you choose to proceed, a full credit check will be done.

💳 Snap Finance Sofas – Flexible Payment Options

Enjoy 0% APR on terms under 12 months or spread the cost over 18–48 months with personalised interest rates. Loan amounts from £250 – £5,075 and you can choose your monthly payment date.

🛒 30-Day Spend Window & Freedom to Shop

Once approved, your Snap Finance Loan is loaded onto a virtual Snap card via the Snap Pay app. You have 30 days to spend across REKLINE Ltd or multiple Snap retailers until your limit is used. After 30 days, repayments begin.

📦 Distant Selling Rules – Your 14-Day Right to Cancel

Because you haven’t seen the goods in person until delivery, you can reject them within 14 days after delivery for any reason. You must return them in the condition they were delivered or pay a reasonable collection fee (arranged in advance). If you cancel before delivery, REKLINE Ltd simply cancels the application in the portal. Once goods are returned to REKLINE Ltd, we inform Snap so they can reduce or close your loan.

⏳ Cooling-Off Period (Finance Agreement)

Separate from your return rights, you have 14 days from signing your Snap Finance Loan to withdraw from the finance agreement. If goods have been delivered, Snap will liaise with you directly on repayment – REKLINE Ltd is not involved.

⚖ Important Legal & Payment Notes

REKLINE Ltd is not FCA regulated and does not provide financial advice. We act strictly as an introducer to Snap Finance Ltd. All finance agreements, credit decisions, and payments are handled directly by Snap Finance. All money you pay under your finance agreement is collected and managed by Snap Finance, not REKLINE Ltd.

If you return goods, REKLINE Ltd will confirm receipt and notify Snap Finance. Snap Finance will then process your refund, adjust or close your loan, and handle any payments already made. We recommend reviewing Snap Finance’s full terms and conditions at snapfinance.co.uk before applying.

❓ FAQs – Snap Finance Loans & Applications

Q: How long does a Snap Finance application take?
A: Less than 2 minutes with an instant decision.

Q: Will applying hurt my credit score?
A: No, the first check is a soft search.

Q: Can I get Snap Finance Sofas with bad credit?
A: Yes, Snap considers affordability, not just your score.

Q: What happens if I cancel my finance agreement?
A: Snap will work with you directly to arrange repayment – REKLINE Ltd is not involved.

📞 Finance Contact Details

For finance questions, contact Snap Finance directly:
📧 customer@snapfinance.co.uk | 📞 03300 109381

For product, delivery, or warranty issues, contact REKLINE Ltd:
📧 support@rekline.co.uk (include your order number)