AO Finance

With AO Finance, you can spread the cost when you buy from us. It’s the flexible way to pay, so whether your fridge freezer’s on the blink or you’re desperate for the latest console, you won’t have to pay the earth for the latest tech.

You could enjoy a credit limit of up to £2,500, and once you’ve bought something, you can choose a payment plan to suit you. It’s super-easy to apply and we’ll even do a no-risk check first to see if you’re eligible.

Representative example

Representative 19.9% APR (variable).

Interest rate: 19.94% per year (variable).

Assumed credit limit: £1,200.


AO Finance – Buy Now, Pay Later

Get your product now and pay nothing for 6 or 12 months


AO Finance – Instalment Plans

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


AO Finance – 0% Interest

Enjoy a 0% interest instalment plan for a set length of time

Tell me more about AO Finance

What is AO Finance?

It’s a flexible finance account provided by NewDay, who’ll be your finance lender. With it, you could enjoy a credit limit of up to £2,500 to spend at AO, along with various payment plan options – an instalment plan, flexible credit, 0% interest or buy now, pay later. So, you can repay the balance however suits you best. Just bear in mind, the interest rate, credit limit and payment plan you’re offered will be based on a credit check.

How do I apply for AO Finance?

Just follow these 6 super-easy steps:

  • Add a product to your basket and go to checkout.
  • Choose AO Finance as your payment method, then click ‘Check your eligibility’.
  • Log in to your AO My Account, or create an account if you don’t have one.
  • Answer 6 questions and NewDay (the lender) will decide if you’re eligible – this won’t affect your credit score.
  • NewDay will then run a full credit check – this could affect your credit score.
  • Read the legal info, select a credit limit preference and add your e-signature. Voila!
How do I buy something on AO Finance?

It’s really easy to buy something using AO Finance. When you go through to checkout, just make sure you choose AO Finance as your payment method. Then, simply pick which payment plan you’d like and follow the simple steps to finish buying your shiny new appliance and any services you might need. You’ll get an email confirmation from us with everything you need to know about your product and the AO Finance payment plan you’ve chosen.

How do I make a payment?

A few days after creating your AO Finance account, you’ll get an email from NewDay asking you to set up an Online Account Manager with them. Here, you can edit your details and view transactions. So, when you’re making a payment, just visit your NewDay Online Account Manager and follow the quick and easy steps.

If you have any more questions, why not check out the rest of the AO Finance frequently asked questions.

Or, have a look at the information pages about each payment plan – from instalment plans to buy now, pay later, and flexible credit to 0% finance.

Or, contact NewDay on 0333 220 2598.

Why choose ao.com?