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    AO Finance – Buy Now, Pay Later

    Get your product now and pay nothing for 6 or 12 months.

    Buy now, pay later is a great option if your fridge freezer’s just died or you desperately need a new washing machine. It means you can get your product now and you won’t have to pay anything until 6 or 12 months down the line, depending on which plan you’ve got.

    • No deposit
    • Available on products costing £200 or more
    • No interest until the ‘pay later’ time is up
    • Representative 19.9% APR (Variable)

    But, before you jump into it, here are a few frequently asked questions to help put your mind at ease.

    Representative 19.9% APR (variable)

    What is buy now, pay later?

    What is buy now, pay later?
    Why should I choose this payment plan?
    Why can't I see the buy now, pay later option at the checkout?
    Is there a minimum spend?

    How does it work?

    What happens once the buy now, pay later time is up?

    Talk me through the costs that are involved

    How much do I need to pay each month?
    When do I pay interest?
    Are there any extra hidden costs?
    How long will it take me to pay off the total cost?
    When is my first payment due?

    How do I manage my buy now, pay later plan?

    How can I make sure I keep my buy now, pay later plan?

    Who can I talk to about my AO Finance?

    NewDay’s customer service line is 0333 220 2598. Opening times are 9am - 7pm Monday to Friday, 9am - 5pm Saturday and 10am - 4pm on Sunday. Please remember that calls will be charged at the standard national rate, and the cost may vary for mobile phone companies and operators. Calls may also be recorded or monitored for training and security purposes.

    Why not find out a bit more about the other AO Finance payment plans, to see if they might suit you?

    Representative example

    Representative 19.9% APR (variable). Interest rate: 19.94% per year (variable). Assumed credit limit: £1,200.

    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.