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    AO Finance – Flexible Credit

    Just pay the monthly minimum and more when you can afford it.

    If you’re short on cash but your washing machine’s just conked out, this could be a great payment plan for you. All you have to do is pay a monthly minimum amount agreed by NewDay, and just pay more when you can afford it.

    • No deposit
    • No fixed timeframe
    • A monthly minimum amount to pay
    • The option to pay more when you can afford it
    • 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.

    What is flexible credit?

    What is flexible credit?
    Is there a minimum spend?

    Talk me through the costs involved

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

    How do I manage my flexible credit plan?

    How can I make sure I keep my plan?
    What happens if I don't pay the contractual minimum amount?

    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.