NewDay Technology Ltd

NewDay Technology Limited operates the Deko brand, which provides a retail finance technology platform and consumer credit products. Deko connects retailers with a panel of finance lenders, allowing customers to apply for credit at the point of sale and be matched with the most suitable lender from the panel.

Deko's technology is used by retailers in sectors such as home improvements, furniture, jewellery, and consumer goods. When you apply for finance through a retailer using Deko, you may be offered a loan from one of several lenders on the panel, depending on your credit profile. The lender offering you finance may be different from Deko itself.

NewDay Technology Ltd is authorised and regulated by the Financial Conduct Authority. If you have a finance agreement arranged through Deko, the agreement itself may be with a different lender in the panel. Check your agreement documents carefully to identify who you are borrowing from.

If you are struggling with a finance agreement arranged through Deko, contact the lender named in your credit agreement. Free debt advice is available from StepChange on 0800 138 1111 or National Debtline on 0808 808 4000. The Deko platform is used by a growing number of retailers who want to offer their customers more flexible payment options at checkout. Because multiple lenders sit behind the Deko platform, some customers may be offered a loan from a lender they are not immediately familiar with — always read the loan agreement carefully to understand who you are borrowing from and on what terms. If you are unsure whether a finance offer through Deko is right for you, compare it with other options including personal loans from your bank or savings. Free financial guidance is available from MoneyHelper at moneyhelper.org.uk. StepChange and National Debtline can help with any debt concerns.