3 Months
standard- APR
- 20.0%
- Down payment
- 20% min
- Up to
- LKR 300,000
From, on LKR 50,000
LKR 13,790 / mo
2 payments of LKR 13,790; final payment LKR 13,761 or less.
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Split your purchase from 4 weeks to 12 months, in the Snap app — at Sri Lanka's grocers, electronics retailers, and 50+ partner brands. No credit card required.
On LKR 50,000 you might split it as 3 × LKR 17,560. Indicative — final terms confirmed in the Snap app.
How it works
Three steps,
no card required.
Future Pay isn't a credit card and isn't a loan you have to apply for in advance. You decide at the till, the Snap app handles the rest, and the money moves quietly in the background.
01
Pick where you shop
At checkout, at any of our 50+ partner merchants — in-store, online, or in the Snap app.
02
Choose a plan
Standard plans run 3, 6, or 12 months. Micro plans split smaller buys over 4 or 8 weeks.
03
Pay over time
Equal instalments, transparent rates, and a single rounded payment at the end so the maths is honest.
Plans
Pick the rhythm
that suits.
6 Months
standard- APR
- 25.0%
- Down payment
- 20% min
- Up to
- LKR 300,000
From, on LKR 50,000
LKR 7,170 / mo
5 payments of LKR 7,170; final payment LKR 7,117 or less.
12 Months
standard- APR
- 30.0%
- Down payment
- 20% min
- Up to
- LKR 300,000
From, on LKR 50,000
LKR 3,900 / mo
11 payments of LKR 3,900; final payment LKR 3,894 or less.
EMI calculator
Try a purchase
Indicative. Final terms in the app.
LKR
LKR 5,000LKR 300,000
Choose a plan
Your schedule
LKR 7,170 / month
5 payments of LKR 7,170 — your final payment will be LKR 7,117 or less.
Down payment today: LKR 10,000
- Total interest
- LKR 2,967
- Total payable
- LKR 52,967
- Tenure
- 6 months
Continue in app
Final terms confirmed in the Snap app after eligibility check.
Featured offers
Quiet deals,
on right now.
FLi Super
20% off your weekly grocery
20%
until 30 Jun
CLIO Hotels
10% off your next staycation
10%
until 15 Jul
FLiCo
LKR 2,000 cashback on orders above LKR 15,000
LKR 2,000
until 15 Jun
Partners
A growing list of
Sri Lankan brands.
Fashion, groceries, and hospitality — the names you already know, on a schedule you choose. More joining every month.
- CLIO Hotels
- Be a partner
FAQ
Questions,
answered plainly.
If we haven't covered yours, the support team is in the Snap app and in chat.
No. Future Pay runs on your verified Snap account — there's no credit card required. You just need to be 18+ and a Sri Lankan resident.
Most customers get an instant decision. A small number of applications go to manual review and complete within one business day.
You only pay interest on the days you held the balance — early settlement is calculated on a reducing-balance basis inside the app.
There's no signup fee and no annual fee. Each plan has a published APR — what you see in the calculator is what you pay.
Get the Snap app
One app.
Every Future Pay plan.
Set up your account in minutes, apply plans at checkout, and manage everything from a quiet wallet that finally adds up.