NewDay

NewDay’s operating history dates to 2002, when its predecessor, SAV Credit, launched the aqua credit card. The group subsequently expanded through acquisitions and partnerships, including products for Argos, AO and John Lewis & Partners.

NewDay provides unsecured consumer credit across revolving credit cards, instalment finance, buy now, pay later, 0% finance and digital credit. It serves customers directly through brands including aqua, marbles, Fluid and Bip, and provides embedded credit and servicing technology for retail partners.

Its main strengths are proprietary credit decisioning, data-led underwriting and a scalable digital platform. The business is particularly significant in UK near-prime consumer finance and in credit-card securitisation, while its operating companies cover origination, servicing and collections across the credit lifecycle.