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FAQ’s

It’s great being able to spread the cost when you buy, but you always need to do your research on finance. We’ve gathered the most frequently asked questions, from how it works to how much it costs, to give you peace of mind about Newpay.

What is Newpay?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

Tell me more about the application process?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

I’ve been accepted for newpay, now do i use it?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

Talk me through the cost that are involved.

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

what’s the credit limit all about?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

HOW DO I MANAGE MY ACCOUNTS?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

how do i manage my account?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

who can i talk to about newpay?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

Can I apply for Newpay?

Anyone can apply for Newpay, as long as you:

Are 18 years or over and have a regular income
Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)
Have a current UK bank account
Have a valid email address and mobile phone number
Don’t have an existing Newpay account


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.


Will you do a credit check?

Yes, NewDay will always carry out a credit search. They run a no risk eligibility check first though, to tell you if they think you’ll be eligible for Newpay.


Will my credit rating be affected?

The first no-risk eligibility check won’t affect your credit rating. But the full credit check might, and it’ll be recorded against your credit file.


Can I still apply if I have bad credit?

Of course, but just be aware that not everyone will be accepted for it. It’s worth remembering that NewDay will have to run a credit check as part of your application. So, your credit score will be taken into account when NewDay decide if you’ll be approved for Newpay.


When will I find out if I’ve been accepted for Newpay?

It should only take 5-10 minutes to apply, and you should find out straight away. There are occasions where NewDay might refer the decision to an underwriter to assess. If this happens, they might contact you for a bit more information before they decide if you’ve been accepted.

We Sell Electricals LTD T/A Hifonix is an Introducer Appointed Representative of Pay4Later Limited, trading as Deko, which is authorised and regulated by the Financial Conduct Authority (FRN 728646). Deko is a credit broker, not a lender and does not charge you for credit broking services. We will introduce you exclusively to Newpay finance products provided by NewDay Limited.