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AO Finance
With our flexible finance account (provided by NewDay), choose a payment plan to suit you and you could receive a credit limit of up to £2,500 to spend with us today.
Why choose AO Finance?
Fix it or flex it
From fixed monthly payments to flexing what you pay, choose from a range of ways to spread the cost.
Shop without the interest*
Take us up on regular pay later and interest-free promotions.
One-time application
Once approved, you’ll get an account with a credit limit to use again and again without having to re-apply.
Clear your balance anytime
Pay off your balance anytime with no additional fees.
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.
Ways to pay
Flexible payments
Works in a similar way to a credit card, there's no fixed timeline - just pay your contractual minimum payment and more when you can afford it each month.
Instalment plans
Repay your balance in fixed monthly instalments over 24, 36 or 48 months.
Buy now, pay later*
Avoid interest by paying off your entire balance including your BNPL purchase at any time during your 6 or 12-month interest-free promotional period on selected electricals over £200.
0% interest instalment plan*
Enjoy 0% interest on selected electricals by paying back a fixed amount each month over a fixed period.
Apply when you buy
Applying for AO Finance couldn't be easier
Step 1
Add your product(s) to your basket
Step 2
Choose AO Finance at payment stage at checkout
Step 3
Check your eligibility and find out how much your credit limit could be
Step 4
Complete your application and choose your payment plan
Who are NewDay?
NewDay are one of the UK’s leading providers of credit. They offer our customers flexible and responsible access to finance.
We trust them to look after our customers with all things finance, they’ll send you any information to do with your credit agreement and if you have any questions or just need to speak to someone about your account, they’re the helpful bunch on the end of the phone.
What our customers think
Did you know we have more 5* Trustpilot reviews than any other UK electrical retailer? We're rated ‘Excellent’ overall and have over 600k customer reviews!
Here are some of the lovely things our customers say about AO Finance.
Manage your money
Take control
Use NewDay’s Online Account Manager to review your credit limit, check your balance, set up a Direct Debit or make manual payments to help avoid missing a payment.
You'll find your account number on your emails from NewDay after opening your account.
Here to help**
Don’t be afraid to ask for help, if you can't make your payments or you’re struggling, give us a call on 0333 220 2598.
Tell me more about AO Finance...
- Will I be eligible?
To be eligible, you must:
- be 18 or over with a sufficient household income
- have no existing AO finance account
- have an email address and UK mobile number
- have 12 months UK address history
- How do I apply?
Just follow these super-easy steps:
1.Add your product(s) to your basket
2.Choose AO Finance at payment stage at checkout
3.Check your eligibility and find out how much your credit limit could be
4.Complete your application and choose your payment plan
Voila!
- How do I log in?
If you’re an AO Finance customer, you can login to your account via the NewDay Online Account Manager.
You'll find your account number on your emails from NewDay after opening your account.
- How do I make a payment?
Once you’ve created your AO Finance account, you’ll get an email from NewDay asking you to set up a NewDay Online Account Manager with them.
Here, you can edit your details, view transactions and make payments.
- What else do I need to know?
Don’t forget, failure to make payments on time or to stay within your credit limit means you’ll pay additional charges, and may make it more expensive and difficult to get credit in the future.
If you have any more questions, why not check out the rest of the AO Finance FAQs.
**Alternatively, you can call NewDay on 0333 220 2598. Opening times are 9am - 6pm Monday to Friday and 9am - 4pm Saturday. 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 the 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.
