Simba Sleep has seen its AOV grow by 50% and expanded its secondary credit approvals tenfold with Snap Finance UK, the mattress and sleep technology brand’s partnership with the inclusive PoS finance specialist giving more customers declined by primary lenders a route to alternative, responsible finance.
Simba partnered with Snap in late 2025 to enhance its existing multi-lender strategy by supporting high-intent, financially underserved customers often overlooked by mainstream credit providers. It launched Snap’s finance solution directly onto its online checkout in just three weeks via Snap’s bespoke Shopify plugin.
Furthermore, customers declined finance by Simba’s primary lender are directed to Snap’s flexible payment options in a fully digital journey, boosting approval rates and converting demand which might otherwise have been lost.
Snap says the partnership reflects a growing shift among UK retailers toward multi-lender strategies, which widens credit access for more than 20 million financially underserved adults without compromising responsible lending standards.
In the six months since partnering with Snap, Simba has been able to approve 17% of first-line declines, which represents a 10 x higher acceptance rate compared to its previous second-line lender.
Alongside approving more customers, Simba has also made Snap’s inclusive finance available upfront and not just at the point of decline. This gives customers a greater choice of PoS retail credit to provide options.
After Snap went live at the checkout, Simba experienced a 50% increase in AOV compared to the site's norm. Simba attributes this boost to enhanced credit choice as customers feel empowered to fill their baskets with a broader range of complementary products essential for a restful night’s sleep.
Jon Moore, marketing and ecommerce Director, Simba, says: “At Simba, we’re continually exploring ways to maintain momentum as one of the UK’s most recognisable sleep technology brands.
“Working with Snap and leveraging its innovative, unique approach to inclusive, responsible finance to strengthen our multi-lender strategy and make our products as accessible as possible emphasises this. The results we’ve achieved in a short space of time have been hugely impressive, which also came from just a three-week onboarding process.
“Since launching, we successfully converted more customers by giving them more options at checkout. Or, for those declined for finance, that valued second chance, building solid proof of the impact on consumer confidence and buying power by having a robust PoS lending ecosystem.
“Our partnership with Snap Finance also reflects our B Corp status and socially conscious operations as Snap’s approach means we can offer financially underserved customers credit without an inaccessible APR price tag.”
Andy Smith, CEO at Snap, adds: “Our partnership with Simba is a clear demonstration of the benefits of a robust, multi-lender strategy where Snap’s inclusive finance complements, rather than competes with, mainstream providers.
“Together, with inclusive, responsible lending, we’ve made sure that customers, such as those with limited credit history or non-standard income, are not left out as they make their high-value, needs-based purchases, like mattresses.
“It’s also highlighted how multi-lender strategies boost consumer confidence by closing the gap between intent and purchasing power.
“Our research tells us that 39% of customers are 'very' or 'somewhat' confident around which lender will approve them. By offering them a greater credit choice upfront and payment options more suited to them, sales will follow as retailers convert bigger baskets from satisfied customers. Simba’s experiences are proof of this in action.”
