NewDay Reviews 

I am currently going through a very disappointing, stressful and time-consuming experience with AO Finance / NewDay, and I deeply regret taking finance with them. I wish I had chosen a more transparent and trustworthy company.

I am writing this because I do not want anyone else to go through the same situation. Below are the things I wish I had known from day one.

This is not “set it and forget it” finance. If you use AO Finance / NewDay, take control from day one and do not stop monitoring until you clear your balance and close the account.

1. Screenshot everything during checkout.
Key finance information can disappear once you move through the online process. The credit agreement does not clearly give you, in one simple personalised repayment plan, the exact finance product, APR, promotional rate, Direct Debit type, repayment term or final payment date.

2. Call immediately and confirm your APR.
Do not assume that seeing 0% finance during checkout means you have actually been given 0%. NewDay decides what finance product and APR they approve after the application/check process. You may only see this clearly on your first statement, which can arrive weeks later.

3. Build your own repayment plan.
NewDay does not give you a fixed plan with a clear end date, so make your own. Once you know the APR, do the maths. Choose your monthly payment, your timeline and your exit date. If you can afford it, pay more rather than less. Be strategic from the beginning. In hindsight, I would rather have avoided all this work and chosen another company.

4. Choose your Direct Debit type carefully.
The default Direct Debit may be flexible, not fixed. If you want a fixed monthly amount, set this manually in the online account manager and screenshot the confirmation. In my case, my Direct Debit amount was reduced without my authorisation or understanding, which led to a serious issue that could potentially affect my credit file.

5. Check every statement.
Do not just check that a payment left your bank. Check the amount taken, the interest charged, whether the balance is reducing, and whether the Direct Debit still matches your plan. If the payment drops, do not assume it is good news.

6. Keep evidence.
Save screenshots, statements, emails, Direct Debit documents, payment confirmations and phone call notes from day one.

7. Watch out for persistent debt.
If NewDay reduces your monthly payment unexpectedly, do not assume it is good news. Treat it as a warning sign.
NewDay can significantly reduce your monthly payments without your authorisation. If those lower payments are left running for a long period, this is exactly how you can end up in persistent debt.
If this happens, contact them immediately, ask why the payment changed, and request the reinstatement of the payment you originally set up. If you do not have a fixed payment, consider setting one up and monitor it closely.

My takeaway
If you want clear finance with a clear APR, fixed payments, a clear end date and peace of mind, I would seriously consider another provider.
AO Finance / NewDay requires constant monitoring, careful records and your own repayment strategy. The payment structure is ambiguous and not straightforward to follow.

If you still choose NewDay, monitor everything, keep evidence, challenge anything that does not match your plan, and do not give their payment system control of your account.

Update (15 July 2026) !!!!!

I appreciate NewDay replying to this review, but I had already raised a formal complaint before writing it.

I have since received the company’s final response, which did not resolve the main issues. In my view, the response was dense and focused too narrowly on selected points, while failing to properly address the wider problems with the payment structure, Direct Debit clarity and persistent debt outcome.

I have now escalated the complaint to the Financial Ombudsman Service.

My advice remains the same: if you take credit with NewDay, be prepared to do a lot of work yourself. Call them immediately after purchase to confirm whether you have been given 0% finance or an APR, because you have 14 days to change your mind, why call you might ask; well all key information only becomes available on your account statement after 30 days (when is too late) Ask for the exact APR, Direct Debit type etc, and monitor the account closely from day one.

Basically, become an EXPERT in how this company’s credit system operates before relying on it. In my experience, the information is not clear enough upfront or throughout the account.

I wish I had chosen a different payment method, I also hope this helps anyone reading this to ask the right questions from the beginning and to raise concerns if something does not seem right. 💕

Perfect card very easy to managed and very transparent! Highly recommended

Great company with fantastic rates highly recommend

Since I got the card, I've always had great experiences with it. Even when I occasionally travel.Internationally, it's accepted everywhere. Simply fantastic!!!

They seem to be very communicative and helpful!

Aqua is brilliant easy to use and keeps me informed exactly what’s going on would reccomend

Aqua really help me to improve my credit score I started 800 limit but within a year it’s increased to 5200.and my score improved also
Thank you Aqua

Great card, great service!

Aqua is very easy to manage, they have a great app, they keep in touch throughout, ideal credit providers and a distinct friendly way of communicating.
Thanks Aqua

Thank you so much for letting me be 1 of your customers & giving me the chance to better myself & to have peace in mind ,
Knowing Aqua is always there to support when I need it , all the customer service agents are amazing & very polite towards me & they reassure me to become one of there best customers,
If anyone was thinking of joining new day/Aqua you will not be disappointed,
Thank you 🤝

Easy to use and excellent service

My experience with Aqua is really good i like their policy and repayment methods and limit increment

Held a Marbles card for five years now. Very reliable service, excellent support & clear guidance at all times. Lots of offers on transfers, advances and also for loyalty benefits with companies too. Five years in, no complaints and out of all credit card providers New Day has consistently & reliably delivered.

its very great serivices and appriciated aqua

Refund policy for fraud payments and customer support is pathetic

All round excellent service

Deadful experience to day. Would not allow puchase through their website, as if they thought i had no account...totally nuts. I am far from impressed they have gone stupidly over board in my opinion with security and yet still dosent function in the needs of the customer. After 3 hour's of inconvenience I eventually placed my order using mobile. To be clear, pc was working fine browser was fully upto date and I had no network issues.

Applying was straightforward and the staff are friendly and helpful.

Absolutely hated … can’t anything understand in this new plan , can’t see anything what I need , I have payment which is will ends on next month and they already giving me interest , before Argos pay app was worked very well and was no have any issues and now only problems, I was purchased microwave and it’s was pay in 12 months so every month they was asked some moneys so make it easy I paid all amount and it’s been two months still showing so it’s need pay every month…. And the app is no easy to use , everything what you can see is mostly interest interest interest…. Best to buy fully amount or just get somewhere else