Finance Options


  • Browse our website for your desired product
  • Call our customer service team to place your order – 01543579911
  • Once you’re approved, we will contact you and explain the whole process. We will then get your goods delivered at a time that suits you.
  • We want to give our customers the opportunity to be able to buy what they need as well as what they can afford. Therefore we have teamed up with Snap Finance to help our customers to spread the cost at an affordable price and with flexible repayment options.
  • Representative Example: Cost of Goods £915, Deposit £15, Amount of Credit £900, Annual Fixed Interest Rate 69.75%, Weekly Payment £21.03, Term 65 weeks, Total Payable £1381.95, Representative APR 99.9%  pay the loan within 15 weeks and pay no interest
  • You only pay an initial £15 deposit, but you won’t need to pay that until you’ve chosen your items and are ready to sign the agreement.
  • Spread the repayments over 15 months
  • Repay weekly, fortnightly or monthly to suit you.

If you have any questions or you would like help filling out the application, please call our office on 01543579911. Alternatively, send an email to and we’ll call you on our return.

How does it work?

Easy to apply:

  1. Fill out the application form on your phone or tablet/laptop/computer phone or visit the store to apply with a member of staff
  2. Get an instant decision: Approved or Denied
  3. Browse our website or Facebook page (Little Gems Baby shop) or store for your desired products
  4. Pay the £15 deposit and sign your agreement
  5. Have your goods delivered at a time that suits you.


Can the customer pay off their loan early?
  • Yes, the customer can pay off the loan in part or in full at any time. There are no administration fees for early repayments. Interest will be charged up to the day of the customer’s final payment. Customer service number 0330 0109381 for early settlements

When does the customer start payments?

  • On their next payday after delivery of the goods 

At what point is the finance agreed?

  • The finance is agreed when the invoice has been created for the correct value of the goods and the customer has signed it leaving the status at Pending Delivery

What is a credit check?

  • When a lender decides whether to approve your application for credit, it looks at your credit file with a credit reference agency, which contains details of your financial history. It will tell the lender concerned whether you have a mortgage, how much you owe on credit cards and whether you have missed any payments or have judgments for bad debt.

What you could say if your customer is conditionally approved?

  • Snap just needs to confirm some details before they finalise their decision. They will email you shortly and ask for proof of ID/address
  • As an extra securit measure Snap sometimes asks for ID (i.e a driving license or passport) to proceed with the loan

Customers can find out more about Snap Finance Ltd (UK)


  • Minimum 18 years old
  • £1000 monthly income
  • Resident in UK