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    AO Finance

    Whatever you’ve got your eye on, AO Finance offers a range of payment options so you can spread the cost of your shiny new electricals.

    You could enjoy a credit limit of up to £2,500, and once you’ve bought something, you can choose a payment plan to suit you. It’s super-easy to apply and we’ll even do a no-risk check first to see if you’re eligible.

    Why choose AO Finance

    ListSmile Buy from us again and again

    Once your application’s been approved, you’ll get an account with a credit limit so you can use it again without having to re-apply.

    ListSmile Flexible way to pay

    From instalment plans to flexible credit, we have a range of options for you to choose from.

    ListSmile Pay off your balance anytime

    You can choose to pay off your balance anytime at no extra cost.

    ListSmile Promotional credit offers

    We regularly run special promotions such as Buy Now, Pay Later and interest free credit offers.*

    Representative example

    29.9% APR Representative (variable)29.9% PA Purchase rate (variable). £1,200 Assumed credit limit

    *Credit and availability of offers are subject to status. Terms apply.

    Credit is provided by NewDay Ltd. AO Retail Limited acts as a credit broker for NewDay Ltd on an exclusive basis and is not a lender.

    AO Finance Account payment options

    Flexible payments

    Works in a similar way to a credit card, no fixed timeline - just pay your contractual minimum payment and more when you can afford it.

    Find out more

    Instalment plans

    Pay a fixed amount each month over 24, 36 or 48 months.

    Find out more

    Buy now, pay later*

    Make no payments during the promotional period on selected electricals over £200. Then either pay in full to avoid interest or repay using the flexible payment option.

    Find out more

    0% Interest Instalment Plan*

    Enjoy 0% interest on selected electricals by paying back a fixed amount each month over a fixed period.

    Find out more

    The easiest way to apply is when you're ready to buy

    Step 1 - Pick your products, head to the checkout and choose AO Finance

    Step 2 - Answer the eligibility questions for an idea of the credit limit you could be offered

    Step 3 - Complete the easy application and select a way to repay that suits you

    Step 4 - Enjoy your brand new electricals

    Tell me more about AO Finance

    What is AO Finance?
    How do I apply for AO Finance?
    How do I buy something on AO Finance?
    How do I make a payment?
    How do I login to my account if I’m an existing AO Finance customer?

    If you have any more questions, why not check out the rest of the AO Finance FAQs.

    Alternatively, you can call NewDay 0333 220 2598. Opening times are 9am - 7pm Monday to Friday, 9am - 5pm Saturday and 10am - 4pm on Sunday. Please have your account number ready when you call. You can find your account number within emails and a SMS sent to you by NewDay shortly after opening your account.

    Calls are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. Calls may be recorded and monitored for training and security purposes and to help us manage your account.