How Snaffle works.

How Snaffle works.


How Snaffle works.

Snaffle is an online store with built-in finance that lets you pay off goods over 1, 2 or 3 years. We offer thousands of products – electronics, furniture, home & garden and much more – that can be paid for in bite-sized weekly payments. Snaffle means you can get what you want, when you want, and keep cash in your pocket to live your life. Apply for a Snaffle wallet and we’ll carry out a one-off financial assessment to calculate your weekly Snaffle credit limit. This limit is in the form of a weekly credit allowance that can be used to purchase products.

Reasons to Snaffle

What’s in your wallet?

Use the calculator to estimate how much could be in your wallet*.


You can snaffle up to A$0.00 each week!*

*The information you calculate from this Calculator is intended for use by you as a guide only, it is not an offer and has no legal effect on any contracts entered into by you 'the client'. This simulation and the resulting calculations do not constitute a loan application or offer. The figures and formulae used within this calculator may change at any time without notice. Should you apply for any finance product with Snaffle, we will make our own calculations and we will not necessarily take your calculations into account.

The real magic is our dedication to protecting your credit score

Before sign up

Snaffle is an authorised credit provider, regulated by the Australian Securities & Investments Commission (ASIC), and we lend according to strict guidelines that mean we do not offer credit over and above what you can afford.

After sign up

There’s no instant late payment fee with Snaffle (these can impact your credit score if you get one.) Instead we work with you to get your payment schedule back on track. And when we say “we” that’s what we mean – you’ll only ever deal with Snaffle staff as we do not hand off arrears customers to third parties.

  • Spread the cost into bite-size payments
  • Support with payment issues
  • Makes bigger items affordable
  • Flexible contracts lengths
  • Manage your finances with a set weekly payment
  • Responsible lending through a quality credit process

Buy Now Pay Later
  • Small number of chunky payments
  • Late fees
  • Bigger items still hard to afford
  • Generally fixed at four payments
  • Risk getting out of control if you miss payments
  • Lack of regulation can have a negative impact

Frequently Asked Questions

Why do you ask for my bank details?

How do you assess my credit limit?

Do I have to pay every week?

What happens if I miss a payment?