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    AO Finance - FAQs

    It’s great being able to spread the cost when you buy, but you always need to do your research on finance. We’ve gathered the most frequently asked questions, from how it works to how much it costs, to give you peace of mind about AO Finance.

    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.

    What is AO Finance?

    What is AO Finance?
    Who is NewDay?
    Is there a minimum spend?

    Tell me more about the application process...

    Can I apply for AO Finance?
    Can I still apply if I have bad credit?
    Can I apply for AO Finance using the 'Mx' title?
    What happens if I've used finance to buy from AO before?
    When will I find out if I've been accepted for AO Finance?
    Will you do a credit check?
    Will my credit rating be affected?
    What will you do with the information I give you?
    Where can I get a copy of my credit agreement?
    If my application's declined, can I apply for AO Finance again?
    If my application's declined, can I appeal the decision?
    If I change my mind, can I cancel my AO Finance application?

    I've been accepted for AO Finance, now how do I use it?

    Can I pay a deposit?
    When can I start using AO Finance?
    What can I buy on my first order?
    Can I have more than one purchase on the same payment plan?
    What are my delivery options?
    What happens if I need to return an item?
    What if my returned item brings the order cost to less than the minimum spend?
    When and how will I get a statement?

    Talk me through the costs that are involved

    How do I make a payment?
    When does NewDay charge interest?
    What should I do if I'm having financial difficulties?
    What happens if I can't afford my monthly instalment payment?

    What's the credit limit all about?

    What is a credit limit?
    How do I change my credit limit?

    How do I manage my accounts?

    How do I change the details on my AO Finance account?
    What is My Account?
    What happens if I don't recognise a transaction on my account or I suspect fraud?
    Can I close my AO Finance account?

    Who can I talk to about AO Finance?

    Who can I contact if I have any more questions about my AO Finance account?
    What should I do if I'm unhappy with how the process has gone?