{"id":6962,"date":"2021-09-21T01:04:40","date_gmt":"2021-09-21T01:04:40","guid":{"rendered":"https:\/\/ai-beauty.co.uk\/atg\/?page_id=6962"},"modified":"2023-08-06T09:49:43","modified_gmt":"2023-08-06T09:49:43","slug":"finance-options","status":"publish","type":"page","link":"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/","title":{"rendered":"0% Finance On Treatments"},"content":{"rendered":"\n<div class=\"markdown-body\">\n<h1 class=\"entry-title\" style=\"text-align: center;\">Finance Options On Treatments<\/h1>\n<p>At Ai Beauty Clinic. we also offer finance options to make payments more manageable.<\/p>\n<p>Our<strong>\u00a0procedures<\/strong>\u00a0may be\u00a0<span class=\"marky8hdm4cwl\" data-markjs=\"true\" data-ogac=\"\" data-ogab=\"\" data-ogsc=\"\" data-ogsb=\"\">finance<\/span>d using Newpay.\u00a0<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-11561 size-full\" src=\"https:\/\/ai-beauty.co.uk\/atg\/wp-content\/uploads\/2023\/08\/ND11613_Newpay_0\ufffdinterest_upto-36_TEAL_468x60px.jpg\" alt=\"\" width=\"975\" height=\"125\" srcset=\"https:\/\/ai-beauty.co.uk\/atg\/wp-content\/uploads\/2023\/08\/ND11613_Newpay_0\ufffdinterest_upto-36_TEAL_468x60px.jpg 975w, https:\/\/ai-beauty.co.uk\/atg\/wp-content\/uploads\/2023\/08\/ND11613_Newpay_0\ufffdinterest_upto-36_TEAL_468x60px-800x103.jpg 800w, https:\/\/ai-beauty.co.uk\/atg\/wp-content\/uploads\/2023\/08\/ND11613_Newpay_0\ufffdinterest_upto-36_TEAL_468x60px-768x98.jpg 768w, https:\/\/ai-beauty.co.uk\/atg\/wp-content\/uploads\/2023\/08\/ND11613_Newpay_0\ufffdinterest_upto-36_TEAL_468x60px-600x77.jpg 600w\" sizes=\"(max-width: 975px) 100vw, 975px\" \/><\/p>\n<\/div>\n<div class=\"two-col-content-003__content two-col-content-003__content--right\">\n<h1>How to check If you are eligible for the finance:<\/h1>\n<ul>\n<li>Click the <strong>newpay<\/strong> expandable tab on the bottom of this page if you are mobile and the bottom right of this page if you are on desktop to check your eligibility for the finance.<\/li>\n<\/ul>\n<hr \/>\n<h1>How to purchase with finance:<\/h1>\n<ul>\n<li>Go to <a href=\"https:\/\/ai-beauty.co.uk\/atg\/shop\">https:\/\/ai-beauty.co.uk\/atg\/shop<\/a> and check out the service and select <strong>newpay<\/strong> as a payment method<\/li>\n<\/ul>\n<\/div>\n<div class=\"markdown-body\"><hr \/>\n<p><b>FAQ<\/b><\/p>\n<p><strong>What is Newpay?<br \/><\/strong><br \/>It\u2019s a flexible finance account provided by NewDay. With it, you could enjoy credit to spend everywhere you see the Deko and Newpay in the checkout., along with various payment plan options \u2013 an instalment plan, flexible credit. So, you can repay the balance however suits you best. Just bear in mind, the interest rate, credit limit and payment plans you\u2019re offered will be based on a credit check.<\/p>\n<p><strong>Who are NewDay?<br \/><\/strong><br \/>NewDay will be your finance lender, and emails about Newpay will often come from them. So, remember to keep an eye out for their name while you\u2019re scrolling through your inbox.<\/p>\n<p><strong>Is there a minimum spend?<br \/><\/strong><br \/>That depends on which payment plan you choose. There\u2019s no minimum spend if you want to use the flexible credit payment plan. But for an instalment plan, there\u2019s a minimum spend of \u00a3100, which includes the cost of any extra services you might need (e.g. installation, recycling, etc.).<\/p>\n<h3><strong>Tell me more about the application process\u2026<\/strong><\/h3>\n<p><strong>Can I apply for Newpay?<\/strong><\/p>\n<p>Anyone can apply for Newpay, as long as you:<\/p>\n<p>Are 18 years or over and have a regular income<br \/>Are a permanent UK resident and have lived in the UK for the last 12 months (unless you are HM Armed Forces Personnel)<br \/>Have a current UK bank account<br \/>Have a valid email address and mobile phone number<br \/>Don\u2019t have an existing Newpay account<\/p>\n<p><strong>Can I still apply if I have bad credit?<br \/><\/strong><br \/>Of course, but just be aware that not everyone will be accepted for it. It\u2019s 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\u2019ll be approved for Newpay.<\/p>\n<p><strong>When will I find out if I\u2019ve been accepted for Newpay?<br \/><\/strong><br \/>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\u2019ve been accepted.<\/p>\n<p><strong>Will you do a credit check?<br \/><\/strong><br \/>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\u2019ll be eligible for Newpay.<\/p>\n<p><strong>Will my credit rating be affected?<br \/><\/strong><br \/>The first no-risk eligibility check won\u2019t affect your credit rating. But the full credit check might, and it\u2019ll be recorded against your credit file.<\/p>\n<p><strong>What will you do with the information I give you?<br \/><\/strong><br \/>There are details of how NewDay use your information to make a responsible lending decision in their privacy policy.<\/p>\n<p><strong>Where can I get a copy of my credit agreement?<br \/><\/strong><br \/>It\u2019s easy \u2013 just give NewDay\u2019s customer services a call on 03308380170. They can send you a copy of the agreement at any time while you\u2019ve got an Newpay account.<\/p>\n<p><strong>If my application\u2019s declined, can I apply for Newpay again?<br \/><\/strong><br \/>You can reapply, but we\u2019d suggest not doing it immediately. The best thing to do is to check your credit score and credit report online, then we\u2019d advise waiting 6 months before you apply again.<\/p>\n<p><strong>If my application\u2019s declined, can I appeal the decision?<br \/><\/strong><br \/>Yes \u2013 you\u2019re more than welcome to appeal the decision, please call NewDay on 03308380170. Bear in mind that you\u2019ll have one month to submit your appeal once NewDay has told you about their decision.<\/p>\n<p><strong>If I change my mind, can I cancel my Newpay application?<br \/><\/strong><br \/>Unfortunately, you can\u2019t cancel the application. But, once your Newpay account is set up, you can withdraw from the agreement and close your account \u2013 just bear in mind that you\u2019ll have to repay any money you owe NewDay, including any interest. When you get an email from NewDay to confirm your credit limit, you\u2019ll have 14 days to close the account. You can do this by calling their customer services on 03308380170. They\u2019ll tell you how much you owe and how to pay it, then you\u2019ll have 30 days to repay it.<\/p>\n<h3><strong>I\u2019ve been accepted for Newpay, now how do I use it?<\/strong><\/h3>\n<p><strong>Can I pay a deposit?<\/strong><\/p>\n<p><span style=\"font-size: 14.4px;\">No, unfortunately deposits and split payments (across various payment methods, eg. card and PayPal) can\u2019t be taken.<\/span><\/p>\n<p><strong>When can I start using Newpay?<br \/><\/strong><br \/>Your Newpay account will be ready to use straight after you\u2019ve signed your credit agreement. Then you can finish making your purchase.<\/p>\n<p><strong>Can I have more than one purchase on the same payment plan?<br \/><\/strong><br \/>Of course \u2013 if you need to buy a few items at once, just add them all to the basket at the same time. When you choose a payment method, simply select one plan to pay for all of the products together.<\/p>\n<p><strong>What happens if I need to return an item?<br \/><\/strong><br \/>If you\u2019ve paid using Newpay but decide to return the product, the cost of the item will be refunded and put back into your Newpay account. If this refunded amount covers the whole cost of the items, the payment plan will be cancelled and you won\u2019t have to make any payments. But, if some interest has built up the refunded amount might not clear the balance in your account. In this case, you\u2019ll still have to pay the previously agreed monthly payments to clear the balance.<\/p>\n<p><strong>When and how will I get a statement?<br \/><\/strong><br \/>You\u2019ll get monthly statements electronically (these are called eStatements), and you can view them on your Online Account Manager. NewDay will send you an email every time an eStatement is sent to you and is ready to see. So, please remember to tell NewDay if your email address changes.<\/p>\n<h3><strong>Talk me through the costs that are involved.<\/strong><\/h3>\n<p><strong>How do I make a payment?<br \/><\/strong><br \/>A few days after creating your Newpay account, you\u2019ll 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\u2019re making a payment, just visit your NewDay Online Account Manager and follow the quick and easy steps.<\/p>\n<p><strong>Are there any extra hidden costs to Newpay?<br \/><\/strong><br \/>The only other payment that could be applied to your account is a late payment fee. But, if there are any other costs, you can find more information about them in your Credit Agreement.<\/p>\n<p><strong>When does NewDay charge interest?<br \/><\/strong><br \/>NewDay starts charging interest when a transaction\u2019s been made (including any applicable fees), until it\u2019s been fully paid off. On an instalment plan, it\u2019s from the date the plan is set up until it\u2019s repaid in full.<br \/>You are not charged interest on purchases (not including those made on an instalment plan) made during your last statement period if you repay your outstanding balance by the due date, and if you repaid the previous month\u2019s outstanding balance on time.<\/p>\n<p>NewDay charges interest on all fees, but not on default fees until at least the 29th day after they have told you about the default fee being charged. They work out interest daily and add it to your account on your monthly statement date.<\/p>\n<p><strong>What should I do if I\u2019m having financial difficulties?<br \/><\/strong><br \/>If you\u2019re struggling to make payments towards your balance, please call NewDay\u2019s customer services as soon as possible \u2013 they\u2019ll be able to make suggestions on how to help. Their number is 03308380170.<\/p>\n<p><strong>What happens if I can\u2019t afford my monthly instalment payment?<br \/><\/strong><br \/>If you can\u2019t afford to pay the fixed monthly instalment, that\u2019s OK \u2013 it\u2019s optional, so you won\u2019t go into arrears if you can\u2019t pay it. But, it means that your payment plan will be cancelled and you\u2019ll be moved onto the flexible credit account. On this new plan, you must at least pay the monthly minimum amount, but you can pay more when you can afford it. If this happens, interest will start being charged at your standard rate, and if you\u2019ve set up a Direct Debit, it\u2019ll automatically be adjusted so NewDay won\u2019t collect any monthly instalment payments.<\/p>\n<h3><strong>What\u2019s the credit limit all about?<\/strong><\/h3>\n<p><strong>What is a credit limit?<br \/><\/strong><br \/>This is the maximum amount you may borrow on your Newpay account. The amount you\u2019re offered is based on NewDay\u2019s assessment of your application, which includes the information you gave us and the result of the credit check.<\/p>\n<p><strong>How do I change my credit limit?<br \/><\/strong><br \/>If you want your credit limit to be increased or decreased, you can simply log on to your Online Account Manager or call NewDay\u2019s customer services on 03308380170. They always keep an eye on your account to see how you\u2019re getting on \u2013 they need to see that your account is well-managed, and that you\u2019re making payments on time over a number of months before they can offer an increase. It\u2019s best to keep your account up to date, as this will improve your chances of getting an increase accepted. To do this, make sure you stay within your credit limit and pay at least the contractual minimum payment each month.<\/p>\n<h3><strong>How do I manage my accounts?<\/strong><\/h3>\n<p><strong>How do I change the details on my Newpay account?<br \/><\/strong><br \/>Please visit your NewDay Online Account Manager to change the details on your Newpay account, and follow the instructions on there.<\/p>\n<p><strong>Where do I find my Newpay Online Account Manager?<br \/><\/strong><\/p>\n<p>This can be found here:\u00a0<a title=\"\" href=\"https:\/\/portal.newdaycards.com\/newpay\/login\" target=\"\" rel=\"noopener\">https:\/\/portal.newdaycards.com\/newpay\/login<\/a><\/p>\n<p><strong>Is there a Newpay application available?<br \/><\/strong><\/p>\n<p>Yes, you can download the Newpay app from either the App Store or Google Play<\/p>\n<p>App Store:\u00a0<a title=\"\" href=\"https:\/\/apps.apple.com\/us\/app\/newpay\/id1562878268\" target=\"\" rel=\"noopener\">https:\/\/apps.apple.com\/us\/app\/newpay\/id1562878268<\/a><br \/>Google Play:\u00a0<a title=\"\" href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.newday.newpay\" target=\"\" rel=\"noopener\">https:\/\/play.google.com\/store\/apps\/details?id=com.newday.newpay<\/a><\/p>\n<p><strong>Is there a Newpay website available?<\/strong><\/p>\n<p>Yes, you can visit the Newpay website here:\u00a0<a title=\"\" href=\"https:\/\/www.newpay.co.uk\/#think-big\" target=\"\" rel=\"noopener\">https:\/\/www.newpay.co.uk\/#think-big<\/a><\/p>\n<p><strong>What happens if I don\u2019t recognise a transaction on my account or I suspect fraud?<br \/><\/strong><br \/>Please contact NewDay\u2019s customer services as soon as possible. Please remember that phone calls may be recorded or monitored for training and security purposes.<\/p>\n<p><strong>Can I close my Newpay account?<br \/><\/strong><br \/>Of course. Just log on to your Online Account Manager, and follow the instructions. Here, you can easily change the details of your account. You won\u2019t have to pay any penalties, costs or charges for closing your Newpay account.<\/p>\n<h3><strong>Who can I talk to about Newpay?<\/strong><\/h3>\n<p><strong>What should I do if I\u2019m unhappy with how the process has gone?<br \/><\/strong><br \/>If you\u2019re unhappy with how we\u2019ve dealt with your Newpay plan or application, and you wish to make a complaint, please contact us as soon as possible and we\u2019ll do our best to put things right. If you\u2019re not happy with our decision following a complaint and you wish to take it further, you can ask the Financial Ombudsman Service to review your complaint.<\/p>\n<p>If you want to find out more about each payment plan, please visit your Online Account Manager, or feel free to browse through these pages.<\/p>\n<p><strong>Who can I contact if I have any more questions about my Newpay account?<br \/><\/strong><br \/>If you have any questions, it\u2019s really easy to contact NewDay\u2019s customer service line on 03308380170. Calls to 03308380170 are charged at a standard national rate. Call costs from mobiles and other operators may vary so please check before calling. New Day lines are open 9am to 7pm Monday to Friday, 9am to 5pm Saturday, 10am to 4pm Sunday. Please have your account number ready when you call. You can find your account number within emails, a SMS New Day sent you shortly after opening your account or on the top of your statement. Calls may be recorded and monitored for training and security purposes and to help them manage your account.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-6962","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.1 (Yoast SEO v22.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Finance options - Easy ways to pay for your treatment<\/title>\n<meta name=\"description\" content=\"How to finance your procedures - examples of payment schedules\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"0% Finance On Treatments\" \/>\n<meta property=\"og:description\" content=\"How to finance your procedures - examples of payment schedules\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/\" \/>\n<meta property=\"og:site_name\" content=\"Ai Beauty Clinic\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-06T09:49:43+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/\",\"url\":\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/\",\"name\":\"Finance options - Easy ways to pay for your treatment\",\"isPartOf\":{\"@id\":\"\/#website\"},\"datePublished\":\"2021-09-21T01:04:40+00:00\",\"dateModified\":\"2023-08-06T09:49:43+00:00\",\"description\":\"How to finance your procedures - examples of payment schedules\",\"breadcrumb\":{\"@id\":\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ai-beauty.co.uk\/atg\/finance-options\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ai-beauty.co.uk\/atg\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"0% Finance On Treatments\"}]},{\"@type\":\"WebSite\",\"@id\":\"\/#website\",\"url\":\"\/\",\"name\":\"Ai Beauty Clinic\",\"description\":\"London&#039;s Leading CQC Accredited Medical &amp; 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