NewDay is a leading provider of unsecured credit in the UK, providing technology-enabled, highly flexible and innovative products directly to consumers and via its merchant relationships.

The Group’s product offering includes physical and digital credit cards, and digital point of sale credit incorporating Buy Now Pay Later (BNPL) and instalment finance functionality.

NewDay operates multiple products through well-known brands such as Aqua, Fluid, Marbles and Bip - the UK’s first digital only credit “card”. The multi-brand strategy enables it to meet a diverse range of customer needs.

We also offer co-branded credit cards as well as Newpay, a flexible digital point of sale offering incorporating BNPL and instalment finance. NewDay’s deep underwriting capability and 20+ years of experience allow it to responsibly say yes to more UK customers, making NewDay a merchant partner of choice for leading brands such as John Lewis, and Argos.

NewDay has a clear purpose: to help people move forward with credit. It provides c.4 million* customers with responsible access to credit. NewDay’s leading, highly scalable digital platform alongside its proprietary credit decisioning capability allows it to continually innovate within the UK consumer finance sector, unlocking competitive advantage and developing products that meet customer and merchants’ changing needs.

  • We have around c.4 million customers* across our products and via our merchant partners*
  • One platform operating 12 brands (including John Lewis, and Argos)
  • £9 billion+ of spend processed in 2022 (£6.0 billion in 2021)
  • £4.2 billion of gross receivables*
  • Issued one in five credit cards in the UK**
  • 20+ years of underwriting history; with models powered by machine learning
  • Over one trillion total data points across all customers
  • 2.1 million customers improved their credit scores in 2022
  • All products are FCA regulated

*As of Q3 2023
**During 2022, including Newpay