Snap Finance Limited

Reference number: 741813

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks, 1 thing worth a closer look

  • When snapfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0330 010 9381 is
  • Who else gives the postcode MK8 0AB
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • PAY WEEKLY STORE LTD Former name
  • Pay Weekly Store Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
08080202
Company status
Active
Company type
Private limited company
Incorporated
23 May 2012 (14 years old)
Registered office
1 Vincent Avenue, Crownhill, Milton Keynes, MK8 0AB, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Alan Smith Director May 1978 19 Dec 2014 4 other companies
Matthew Lane Hawkins Director Apr 1975 14 Sep 2017 2 other companies
Mark Antony Murphy Director Feb 1966 1 Oct 2024 7 other companies
Denise Crossley Director Aug 1961 1 Oct 2024 1 other company
Anthony Sheehan Director Jun 1982 4 Oct 2024 None

Other companies run by these 5 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
13
closed down
5
is FCA-registered
1

In the full report: all 13 companies, named

  • What each company does, and whether it is still trading
  • Which of these 5 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 5 directors run together
  • All 7 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Group accountsAudited

Turnover

£20.7m

First group accounts: no earlier group figure to compare

Profit before tax

−£8.95m

First group accounts: no earlier group figure to compare

Net assets

−£16.2m

First group accounts: no earlier group figure to compare

Cash at bank

£22.8m

First group accounts: no earlier group figure to compare

Net assets are negative: on its last balance sheet the company owed £16.2m more than it owned.

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • Both charts, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Figures from the year to 31 December 2025 are for the group: the company and the businesses it owns. Earlier years are the company’s own accounts, from before it had a group.

The figures for the year to 31 December 2025 were read from the printed accounts, because the filing does not tag them in a form that can be read automatically. They were checked against the accounts’ own totals.

Accounts filed at Companies House for company 08080202. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Snap Finance’s history from the FCA register and Companies House, newest first.

Key events (7) All events (21)

2023

24 March 2023

  • Snap Finance UK (Group) Limited gave up control

Companies House

2017

4 October 2017

  • Changed its registered name from "PAY WEEKLY STORE LTD"

FCA register

14 September 2017

  • Snap Finance UK (Group) Limited took control (75–100% of shares)

Companies House

13 March 2017

  • Snap Finance UK (Group) Limited took control (75–100% of shares)

Companies House

2016

12 September 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2012

23 May 2012

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (7 shown here)
  • Every director appointment and resignation: 9
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Firms connected to Snap Finance

Other FCA-listed firms that share a director, phone number or address with Snap Finance. A link shows who the firm is tied to, not whether either can be trusted.

past link
1

In the full report: all 0 connected firms, named

  • 1 past link through former directors
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Firms like Snap Finance

Other firms of the same type (lender), nearest first.

In Milton Keynes

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Snap Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 13 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 21 events in its history

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Frequently asked questions about this firm

Is Snap Finance Limited FCA authorised?
Yes, Snap Finance Limited (FRN 741813) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Snap Finance’s phone number and website?
The FCA register lists the phone number 0330 010 9381 and the website snapfinance.co.uk for Snap Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Snap Finance a scam or clone?
Snap Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Snap Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Snap Finance handles your money, so check the specific product before you commit. You can also refer complaints about Snap Finance to the Financial Ombudsman Service, free of charge.
Who owns Snap Finance?
Snap Finance is owned by Snap Finance UK (Group) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 14 September 2017.
Who runs Snap Finance?
Companies House lists 5 directors of Snap Finance: Andrew Alan Smith, Matthew Lane Hawkins, Mark Antony Murphy, Denise Crossley and Anthony Sheehan.
How long has Snap Finance been in business?
The company was formed on 23 May 2012, and has held its current FCA authorisation since September 2016.
What do Snap Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show turnover of £20.7m (first group accounts: no earlier group figure to compare) and profit before tax of −£8.95m (first group accounts: no earlier group figure to compare).
Does Snap Finance use any other names?
It has previously used 2 other names: PAY WEEKLY STORE LTD and Pay Weekly Store.

Sources and links

The full report on Snap Finance Limited

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