NewDay is a leading provider of consumer finance across multiple brands in the UK. Our innovative credit products are powered by our in-house, modern and scalable technology platform.
Serving 5.8 million customers, the Group offers a range of revolving credit, embedded finance and digital products – both directly and through our growing retailer partnerships.
A purpose-driven business
NewDay’s purpose is to help people move forward with credit. To drive this, we’ve divided our business into two specialist units that work seamlessly together: our Credit business and our Platform business.
Credit solutions that work hard for our customers
Our Credit business is the heart of NewDay. It supports our customers’ diverse, ever-changing needs through our own range of credit-card brands (such as Aqua, Fluid, Marbles and Bip – the UK’s first digital-only credit ‘card’) plus multiple partner brands.
We also offer Newpay, a flexible, digital point-of-sale offering that incorporates Buy Now, Pay Later (BNPL) and instalment finance functionality.
Our deep underwriting capabilities coupled with over 20 years of experience enable us to be one of the UK’s most inclusive lenders, responsibly saying “yes” to a wide spectrum of people. This has made us the partner of choice for leading brands like John Lewis & Partners, AO.com and Lloyds Banking Group.
A platform for partnerships
Our Platform business unit has been established to offer the technology and product innovation that powers our own Credit business and 3rd party lenders. By gradually externalising this capability over time, we aim to become a leading consumer-credit-platform provider to third parties.
Our multi-year investment in modernising our end-to-end proprietary technology capability has been a key enabler for us, allowing us to secure contracts with partners like Lloyds Banking Group and Debenhams.
Unlocking competitive advantage
NewDay’s leading credit-decisioning capabilities and highly scalable digital platform provide the foundations for continuous evolution and innovation. So, we can keep successfully developing the products that our customers and partners desire and meeting their changing needs.
- 5.8 million customers across all NewDay products and merchant partners*
- One platform operating 16 brands, including John Lewis & Partners, AO.com, Black Horse FlexPay and DebenhamsPay+
- £15.5 billion of spend processed in 2024 (up from £15.0 billion in 2023)
- £5.1 billion of gross receivables*
- 20+ years of underwriting history, with models powered by machine learning
- Over 1 trillion total data points across existing customers
- 1.7 million customers improved their credit scores in 2024
- All products FCA regulated
* As of 31 March 2025 and includes the Argos Financial Services store card portfolio