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    AO Finance – Instalment Plans

    Pay back a fixed amount of money each month over a set period.

    If you have a steady income and can afford to make fixed monthly payments, an instalment plan would be ideal for you. Just choose to spread the cost over 12, 24, 36 or 48 months, and NewDay will calculate how much you need to pay each month to clear your balance.

    • No deposit
    • A fixed monthly amount to pay
    • Available on products costing £200 or more
    • 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 an instalment plan?

    What is an instalment plan?
    Why should I choose an instalment plan?
    Why can't I see the instalment plan option at checkout?
    Is there a minimum spend?
    I haven't used all the balance in my account, so why don't I have enough credit to buy an appliance?

    Talk me through the costs that are involved

    How much do I need to pay each month?
    Are there any extra hidden costs?
    What happens if I can't afford the monthly payments?
    When is my first payment due?

    How do I manage my instalment plan?

    Do I need to update my direct debit after my instalment plan has been set up?
    How can I make sure I keep my instalment plan?
    Can I cancel my instalment 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.