I purchased a DJ Deck for my son and used trustpilot to finance it the system they use is very easy to use and I got a response back very quickly so I went ahead with the purchase. The comms from Trus... See more
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Review summary
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Based on these reviews
If ever I need something quickly and can’t afford to buy outright I know my newpay account is there if I need it
Company replied
They made it easy to find what I was looking for and pay for it. I have had no issues trying to pay for my goods when I used Newpay, it's safe as well.
Company replied
Easy online experience being able to spot payments even though I paid early
Company replied
Company details
Written by the company
Newpay is a digital credit account that allows you to break your online purchases into fixed monthly payments wherever you see the logo. Representative 24.9% APR (variable). NewDay Ltd. Subject to status. 18+. UK only. T&Cs apply."
Contact info
United Kingdom
- newpay.co.uk
3.7
Average
194 reviews
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Do not use this company
Very difficult to communicate with then added huge interest rates and charges after continually telling me someone will be in touch. I will never use this company again and would advise against using them.
7 February 2026
Unprompted review
Reply from Newpay
Hello Alan. This is not the level of service which we aim to provide at all, and please be assured that this feedback will be passed on to the relevant team for further review. Best, Audrey
Extortionate Interest
Me and my wife bought an expensive gift using newpay. We had used them before with no issues so we didn't think there would be any this time. We agreed the monthly cost and direct debit date etc and made the purchase. They took the 1st direct debit no problem, the 2nd direct debit they tried to take a couple of days early and as we have a certain account that is only used for our direct debits we hadn't transfered the money over yet as it wasn't due so it was a returned direct debit. The 3rd month they took the direct debit on the correct date no issues but then the same thing happened on the 4th month, they tried early and we hadn't transfered it over as it wasn't due. They then canceled our direct debit so my wife who suffers with learning difficulties starting paying manually every month on the app. Fast forward a year I asked my wife how much was left on the balance and she told me it wasn't much less than the original purchase. I didn't understand how that could be as the original purchase was £2700 and we had been paying £80 a month so that balance should have been around £1740. After looking further into this i see on my wife's app that they had cancelled our original credit agreement due to the to missed direct debit towards the beginning, which they tried to take before the agreed date might i add or they would have never been missed. And out of the £80 a month we have been paying they have been taking nearly £60 of it for interest and only £20 of it off the balance. Meaning what should have been a 3 year term is now going to take us years and years as my wife can no longer work due to having a pacemaker fitted, fluid on the brain and fybromyalgia. We have 2 kids and are living of just my wage.
22 April 2025
Unprompted review
Reply from Newpay
Hi Nathan, I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above. Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0330 838 0170 at your next convenience. The team will have full access to your account and will be happy to help. Thanks, Michelle.
worst company to go finance with!
worst company to go finance with!
practically day light robbery with there interest rates. won’t ever recommend or go with again
got a sofa for £950 using new pay. this was nearly 2 years ago and i’m still on £713 left to pay!!
27 January 2026
Unprompted review
Reply from Newpay
Hello Poppy,
I’m very sorry to read that you’ve not had the experience you expected with us, I appreciate the time you’ve taken to write the above. With regards to what you have mentioned, I would like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate.
Take care,
Claire
How can I speak to someone?
Good evening I have tried to contact Newpay since Saturday. I applied for a mobile contract only to be declined, presuming as my maiden name was on my bank details. This has now been rectified. I was told to reapply by the mobile provider, only to take my money again to be verified. Take my money and straight away say I’ve been declined as I have already tried. This is ridiculous. Please can someone get back to me.
I have tried to call this morning to dispute being declined, as it states you can - only to find I can't speak to anyone as it asks for an accounts number!!! Which I don't have!!!
Still waiting a response? I submitted my info as requested. Can someone get back to me?
24 January 2026
Unprompted review
Reply from Newpay
Hello Courtney,
I’m very sorry to read that you’ve not had the experience you expected with us, I appreciate the time you’ve taken to write the above. With regards to what you have mentioned, I would like to pass your concerns on to our Specialist Team to review. I've sent you a private message and if possible, please may you provide:
- A reference number (your account number or postcode)
- Your email address
- Your phone number
- Your full name
We hope to hear from you soon so that we can investigate these concerns in more depth. As this is a public platform, we’re unable to discuss account details over here, which I trust you appreciate.
Take care,
Claire
I recently took out finance through…
I recently took out finance through Newpay for a training course. My experience has been disappointing due to unclear communication about the monthly payment schedule.
My first monthly statement clearly showed “Payment Requested: £38.47”, so I paid this amount by the due date. There was no repayment schedule or instalment amount provided to me in writing after signing the credit agreement. Because of this, I had no way to know that the actual instalment was around £136.
Despite paying the amount Newpay requested on their own statement, my promotional rate was removed and I was charged £204 interest in one month, along with a late fee, and my account was suspended. I was then told to pay more than £200 the following month to bring the account back in order.
This situation was caused by unclear communication, not by refusing to pay. If the instalment amount had been provided in a durable format (email/PDF) as required, I would have paid the correct amount from the start. Instead, I relied on the only written information available – the statement showing £38.47.
I have raised a formal complaint and hope Newpay resolves this fairly by refunding the interest and reinstating the instalment plan. I’m now warning other customers to make sure you receive your repayment schedule in writing before relying on the monthly statements.
I believe financial providers should clearly show the correct instalment amount on the first statement to avoid this confusion.
7 December 2025
Unprompted review
Reply from Newpay
Hi Danyal,
Thank you for taking the time to leave us a review.
When a complaint is raised, the team will send an acknowledgement letter within the next 5 working days and this will include your complaint reference number. Then they always aim to resolve your complaint as fast as they can and will keep you updated during the investigation. However, in certain circumstances it can take up to 8 weeks to resolve the complaint. This is following the Financial Ombudsman Service guidelines, and please be assured that the complaints team are working hard to get this investigated for you.
I would like to look into this further for you, however due to security restrictions we are unable to discuss any account specific information via this platform. If you wish to discuss this further, please do not hesitate to contact us.
Best,
Stephanie.
Double check the details before signing…
Double check the details before signing any credit agreement. I ordered a kitchen worktop and the only reason I chose this particular supplier was because they offered the terms of balance of purchase on 0%. When I applied for the credit with Newpay, the initial application showed 3 options, one being 0%, another being 17.95% and another being 24.9%. I wasn't able to chose but guess what I was ONLY approved for the 24.9%. I can't believe this was anything to do with my credit rating as both on Experian and CreditKarma, I have an Excellent rating. I called the telephone number and apparently "the system" decides and there's no-one who can help. Anyone smell something fishy - I do.
24 November 2025
Unprompted review
Reply from Newpay
Hello Wendy. Thank you for taking the time to leave us feedback. I'm sorry that you've not had the best experience with us. I can assure you that we're a company that prides ourselves on a high level of professional service. I apologise that this hasn’t been your experience on this occasion. Please be assured that this feedback will be passed on to the relevant team for further review. Best, Audrey
Clear simple set up
Clear simple set up , easy and continuous information throughout the loan period
8 November 2025
Reply from Newpay
Hello Richard. Thank you for taking the time to leave us a review. We're excited to have you on board 😊Best, Audrey
Reply from Newpay
Good Afternoon,
Thanks for taking the time to share your review, we're thrilled to have you onboard!
- Kenith
Interest rates way too high…
Interest rates way too high accessibility to online account impossible without account number overall I won’t use it again
4 November 2025
Reply from Newpay
Hello Sean. Thank you for taking the time to leave us feedback. I'm sorry that you've not had the best experience with us. I can assure you that we're a company that prides ourselves on a high level of professional service. I apologise that this hasn’t been your experience on this occasion. Please be assured that this feedback will be passed on to the relevant team for further review. Best, Audrey
SCAM- not a real credit card AVOID!!
NewPay still haven't replied to my complaint or dispute. This is despite then replying saying a "specialist team would contact me"
I am still moving forward with my complaint to the FCA as this company refuses to offer buyer protection or call customers back when promised.
I will keep posting my review every time NewPay hide it. This is a seriously dodgy company!!
14 November 2025
Unprompted review
Tried to email few times as my account…
Tried to email few times as my account been blocked. No answer from anyone. now my account is terminated
10 November 2025
Unprompted review
Reply from Newpay
Hi,
I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0330 838 0170 at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you.
Best,
Stephanie.
Fantastic service absolutely amazing…
Fantastic service absolutely amazing platform to use & outstanding customer service
8 November 2025
Reply from Newpay
Hi Leslee, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 best, Elan
Crooks all the way! Not recommended
Another credit card provider that will do anything to stitch you up. A credit card based on emails! You buy something on credit, 3 instalments free interest but they don’t set up a direct debit for your payments. Wait until the first deadline comes and then you have to pay all sorts of charges. Crooks all the way, you would have thought these Sky Channels credit cards 90-100% interest have disappeared! Still here, watch out you have been warned! Stay well away! Crooks!
8 November 2025
Unprompted review
Reply from Newpay
Hi, I'm very sorry to read that you have not had the experience you expected with us. I appreciate the time you have taken to leave us a review. Please contact us so that we can discuss your concerns in more detail. You can find details on how to contact us via our app or online by going to: Help & Support > Contact Us > Contact Details. Our contact details will also be shown on any communications received from us I can assure you that we're a company that prides ourselves on a high level of professional service, and I apologise if this has not been your experience. Thanks, Michelle.
Reply from Newpay
Hello Gareth. Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊Best, Audrey
What an awful company.
Newpay sends me emails, saying there is important information sent to my inbox, so I go to read it, and get a message saying "This account is not eligible for Online Account Manager. Please contact us for any queries." How stupid. Non-existent customer service also.
28 October 2025
Unprompted review
Reply from Newpay
Hi Robert, I am very sorry to read that you have not had the experience that you expected with us. I appreciate the time that you’ve taken to write the above.
Unfortunately, due to the public nature of this platform we are unable to discuss account specific information from here. We would however love to look into this further for you.
Please can you reach out to our Customer Service team on 0330 838 0170 at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you. Best, Elan
Newpay helpful buying
If ever I need something quickly and can’t afford to buy outright I know my newpay account is there if I need it
17 October 2025
Reply from Newpay
Hi there, Thank you very much for the lovely review. We are happy to hear that you are enjoying your card 😊 Best, Elan
Extortionate
Payment plan for my sons bike, paying 30 pound a month 22 of that gets taken for interest, extortionate fees. Avoid at all costs
21 October 2025
Unprompted review
Reply from Newpay
Hi Becky,
I am very sorry to read that you have not had the experience that you expected with us.
I appreciate the time that you’ve taken to write the above. The interest rate on your card is given after full credit checks are performed, and it set to what we feel is appropriate at the time.
We do check accounts on a regular basis and if we feel a lower interest rate would be acceptable, we will let you know right away at the time. Unfortunately, we’re unable to decrease this by request and I apologise for any inconvenience. If you have any questions or concerns, please don’t hesitate to get in touch with our Customer Service team.
Regards, Julie
Quick decision
Quick decision, very easy to follow procedure.
Vey satisfied with the service provided
16 October 2025
Reply from Newpay
Hi Salvo,
We're glad that you had an easy registration process with us, we want to ensure that everything is as smooth as possible for our customers 😊
Best,
Stephanie.
Very satisfied
13 September 2025
Unprompted review
Reply from Newpay
Hi Senad, thank you for taking the time to leave us a review. We're excited to have you on board 😊 Thanks, Michelle.
Easy stress free experience
Used recently when buying kitchen worktops, really easy and stress free to set up. I liked that you could set up a manageable monthly amount but also overpay if you wanted. The only issue I've had is trying to close the account now it's paid off.
10 February 2025
Unprompted review
Reply from Newpay
Hi Megan, Thank you for taking the time to leave us a positive review. We're pleased that you found our application process nice and easy, this is just what we aim for 😊 For support with closing your account please reach out to our Customer Service team via chat in the app (More > Help & Support > Contact Us > Contact Details) at your next convenience. The team will have full access to your account and will be happy to help. We hope to hear from you soon so that we can get this resolved for you. Best, Elan
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