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Newpay FAQ

When it comes to DJ finance, Mixdirect has been around longer than most other retailers. Finance can be a used to spread out the expense of your purchase when used appropriately. We have partnered with Newpay, whose safe technology enables you to swiftly and conveniently submit a loan application.

What is Newpay?

Newpay is a flexible finance account provided by NewDay. With it, you could enjoy credit to spend anywhere you see the Deko and Newpay at the checkout. There are various payment plan options including an instalment plan or flexible credit, which means you can repay the balance however suits you best. Just be aware that the interest rate, credit limit and payment plans you are offered will be based on a credit check.

Who are NewDay?

NewDay will be your finance lender. Any emails regarding Newpay will often come from them, so it is worth keeping an eye out for their name while looking through your inbox.

Is there a minimum spend?

That depends on which payment plan you choose. There’s no minimum spend if you want to use the flexible credit payment plan. But for an instalment plan, there’s a minimum spend of £100, which includes the cost of any extra services you might need (e.g. installation, recycling, etc.).


Mixdirect, t/a Movement Sound & Lighting Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority (FCA 713626). We do not charge you for credit broking services. We will introduce you to Finance available from a number of our partner lenders.


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
•    Do not 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 is 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 will be approved for Newpay.

When will I find out if I have been accepted for Newpay?

It should only take around 5-10 minutes to apply, and you should get an instant decision. 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 have 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 will be eligible for Newpay.
Will my credit rating be affected?

The first no-risk eligibility check will not affect your credit rating. But the full credit check might, and it will be recorded against your credit file.
What will you do with the information I give you?

There are details of how NewDay use your information to make a responsible lending decision in their privacy policy.

Where can I get a copy of my credit agreement?

Just give NewDay’s customer services a call on 03308380170 and they can send you a copy of the agreement at any time while you have got an Newpay account.

If my application’s declined, can I apply for Newpay again?

You can reapply, but suggest not doing so immediately. The best thing to do is to check your credit score and credit report online, then the advice is to wait 6 months before you apply again.

If my application is declined, can I appeal the decision?

Yes – you are more than welcome to appeal the decision, please call NewDay on 03308380170. Please note that you will have one month to submit your appeal once NewDay has advised you about their decision.

If I change my mind, can I cancel my Newpay application?

Unfortunately, you cannot cancel the application. But, once your Newpay account is set up, you can withdraw from the agreement and close your account – just be aware that you will have to repay any money you owe NewDay, including any interest. When you get an email from NewDay to confirm your credit limit, you have 14 days to close the account. You can do this by calling their customer services on 03308380170. They will tell you how much you owe and how to pay it, then you will have 30 days to repay it.


Can I pay a deposit?

No, unfortunately deposits and split payments (across various payment methods, e.g., card and PayPal) cannot be taken.

When can I start using Newpay?

Your Newpay account will be ready to use straight after you have signed your credit agreement. You can then finish making your purchase.
Can I have more than one purchase on the same payment plan?

Of course, 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.

What happens if I need to return an item?

If you have 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 will not have to make any payments.
However, if some interest has built up, the refunded amount might not clear the balance in your account. If this is the case, you will still have to pay the previously agreed monthly payments to clear the balance.

When and how will I get a statement?

You will 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.


How do I make a payment?

A few days after creating your Newpay account, you will 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. When you are making a payment, just visit your NewPay Online Account Manager and follow the quick and easy steps.

Are there any extra hidden costs to Newpay?

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.

When does NewDay charge interest?

NewDay starts charging interest when a transaction has been made (including any applicable fees), until it has been fully paid off. On an instalment plan, it is from the date the plan is set up until it is repaid in full.

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’s outstanding balance on time.

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.

What should I do if I am having financial difficulties?

If you are struggling to make payments towards your balance, please call NewDay’s customer services as soon as possible. They will be able to make suggestions on how to help. Their number is 03308380170.

What happens if I cannot afford my monthly instalment payment?

If you cannot afford to pay the fixed monthly instalment that’s OK as it is optional, so you will not go into arrears if you cannot pay it. However, it means that your payment plan will be cancelled and you will 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 have set up a Direct Debit, it will automatically be adjusted so NewDay will not collect any monthly instalment payments.


What is a credit limit?

This is the maximum amount you may borrow on your Newpay account. The amount you are offered is based on NewDay’s assessment of your application, which includes the information you gave us and the result of the credit check.

How do I change my credit limit?

If you want your credit limit to be increased or decreased, you can simply log on to your Online Account Manager or call NewDay’s customer services on 03308380170. They always keep an eye on your account to see how you are getting on. They need to see that your account is well-managed, and that you are making payments on time over a number of months before they can offer an increase. It is 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.


How do I change the details on my Newpay account?

Please visit your Newpay Online Account Manager to change the details on your Newpay account, and follow the instructions on there.

Where do I find my Newpay Online Account Manager?

This can be found here:

Is there a Newpay application available?

Yes, you can download the Newpay app from either the App Store or Google Play.
•    App Store:
•    Google Play:

Is there a Newpay website available?

Yes, you can visit the Newpay website here:

What happens if I do not recognise a transaction on my account or I suspect fraud?

Please contact NewDay’s customer services as soon as possible. Please remember that phone calls may be recorded or monitored for training and security purposes.

Can I close my Newpay account?

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 will not have to pay any penalties, costs or charges for closing your Newpay account.


What should I do if I am unhappy with how the process has gone?

If you are unhappy with how we have dealt with your Newpay plan or application, and you wish to make a complaint, please contact us as soon as possible and we will do our best to put things right. If you are 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.
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.

Who can I contact if I have any more questions about my Newpay account?

If you have any questions, it is really easy to contact NewDay’s 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.