Who Is NewDay Ltd?
NewDay Ltd is one of the UK’s most innovative and customer-focused financial service providers, specialising in responsible credit solutions designed to help individuals and businesses move forward.
Headquartered in London, NewDay serves over 4 million customers and partners with some of the UK’s best-loved brands, offering a suite of credit products including Buy Now Pay Later (BNPL), instalment finance, revolving credit, and branded credit card solutions.
Originally incorporated on 28 June 2010 as Progressive Credit Limited, the company rebranded as NewDay Ltd in April 2014 to better reflect its forward-thinking, purpose-driven ethos.
With a purpose of enabling financial inclusion and helping customers take control of their credit journey, NewDay combines leading-edge data science, cloud-based platforms, and seamless user experience. Their tagline says it all: “Helping people move forward with credit.”
Who Leads NewDay Ltd?
NewDay Ltd is governed by a seasoned leadership team with expertise in finance, technology, and risk management. The leadership is committed to creating customer-centric and technology-enabled solutions that set new standards in the UK credit market.
Key Officers and Directors
| Name | Role | Appointment Date | Nationality | Background Highlights |
| Robert Holt | Director | 21 Sep 2017 | British | Brings strong leadership in consumer finance. |
| John Patrick Hourican | CEO | 16 Oct 2019 | Irish | Leads the strategic vision; previously held executive roles in global banking. |
| Rupert Graham Keeley | Director | 1 Jul 2014 | British | Brings decades of experience in payments and credit solutions. |
| Sir Michael Derek Rake | Director | 9 May 2018 | British | A veteran business leader with board-level experience. |
| Alison Reed | Director | 30 Oct 2012 | British | Financial expert with a background in auditing and governance. |
| Sanjay Sharma | Director | 29 Apr 2013 | British | Risk and technology specialist. |
| Paul Nigel Sheriff | Director | 4 Mar 2016 | British | Responsible for operational and partner integration strategies. |
| Stuart Whitty-Lewis | Secretary | 1 Jan 2024 | British | Oversees company administration and compliance. |
Their combined vision enables NewDay to remain at the forefront of fintech, ensuring agility in a fast-paced industry.
What Are the Company’s Capital and Turnover Details?
NewDay Ltd operates as a Private Limited Company registered in England and Wales, with its registered office at 7 Handyside Street, London, N1C 4DA.
Although specific financial figures for 2025 are yet to be released, the company’s operational scale points to substantial revenue generation and a solid capital base.
Key Financial Indicators
| Attribute | Value |
| Company Number | 07297722 |
| Incorporation Date | 28 June 2010 |
| Last Accounts Made Up To | 31 December 2024 |
| Next Accounts Due | 30 September 2026 |
| Annual Transactions Processed | 332 million (2024) |
| Gross Receivables | £4.4 billion (2024) |
| Customer Spend via Products | £15.5 billion (2024) |
| Monthly App Logins | 18 million (2024) |
| Active Customer Base | Approx. 3.6 million (2024) |
NewDay is the #1 credit card ABS issuer in the UK and commands a 6% share of UK credit card receivables, further reinforcing its dominant role in the sector.
What Services and Features Does NewDay Ltd Offer?
NewDay Ltd provides a diverse portfolio of credit-related services for both direct consumers and business partners. Its products are built on a highly scalable, cloud-based digital credit engine, allowing it to deliver fast, reliable, and secure financial services.
Core Services and Offerings
- Direct-to-Consumer Credit: Aqua, Marbles, Fluid, and Bip cards for credit building and fee-free use.
- Retail Partner Solutions: Branded credit products for retailers like John Lewis, AO.com, and Argos.
- Buy Now Pay Later (BNPL): Easy checkout credit for online and in-store purchases.
- Instalment & 0% Finance: Simple, structured repayment plans for affordability.
- Revolving Digital Credit: Mobile-first revolving credit with seamless digital access.
- NewDay Platform (B2B): White-label credit infrastructure with open APIs and third-party integrations.
- Financial Education Tools: Supports 1.1M+ users in improving money management and credit literacy.
Platform Capabilities
- Digital customer lifecycle management
- Real-time credit decisioning
- Risk and fraud monitoring
- Open Banking integration
- Powerful customer insight tools
NewDay’s emphasis on data-driven decision-making and financial inclusivity enables it to responsibly approve more customers while delivering unmatched partner value.
What Do Customers Say About NewDay Ltd?
Customer feedback for NewDay Ltd is a mix of high praise for product accessibility and some concerns about service delays.
Positive Customer Highlights
- Inclusive Credit Access: Many users with limited credit history appreciate the approval rates and opportunities to build credit.
- Ease of Use: Mobile apps and web platforms are described as intuitive and user-friendly.
- Specific Products: Cards like Bip receive praise for having no annual or late fees, and zero charges on foreign spending.
- Financial Education Tools: Widely used and appreciated for credit score improvement and money management tips.
Common Concerns
- Customer Support: Some users cite long wait times or inconsistent responses when dealing with service issues.
- Debt Handling: A minority of reviews mention aggressive collection practices during financial hardship.
Despite mixed reviews, NewDay is widely regarded as a reputable and FCA-regulated lender, offering transparent credit services with a strong technology backbone.
How Can You Contact NewDay Ltd?
If you need to reach NewDay Ltd, there are several reliable ways to get in touch depending on your query. Below is a quick and clear overview of all major contact options.
| Category | Details |
| Registered Office (Corporate Enquiries) | Address: NewDay Ltd, 7 Handyside Street, London, N1C 4DA, United Kingdom Telephone: 020 7160 8800 |
| Customer Service (General & Account Queries) | Phone: 0333 220 2532 (standard national rates apply) Hours: Mon–Fri 9am–6pm, Sat 9am–4pm, Sun Closed |
| Customer Service Postal Address | NewDay Ltd, PO Box 700, Leeds, LS99 2BD |
| Online Support | Submit queries through the secure online account manager |
| Complaints & Support | Dedicated customer-first service and complaint-handling channels |
NewDay’s multiple contact methods ensure that help is always within reach, whether you’re a customer or a business partner. Choose the option that best suits your needs for a smooth support experience.
Why Choose NewDay Ltd?
NewDay Ltd stands out in the UK financial services landscape for its commitment to responsible credit, inclusive lending, and technology innovation.
Whether you’re a consumer seeking credit solutions or a business looking to embed finance into your offerings, NewDay offers a future-forward approach rooted in insight, scalability, and purpose.
Their vision, to help people move forward with credit, is not just a slogan, but a lived experience for millions of customers and partners across the UK.
