Spread the cost,
keep the joy.
Flexible store credit for the things you love. Apply in 60 seconds, get an instant decision, and spread purchases over 6–48 months with transparent rates and zero hidden fees.
Credit that fits your life
One account. One monthly payment. Thousands of retailers. Choose the plan that suits each purchase — from 6 to 48 months, interest-free offers available at selected retailers.
Instant decisioning
Apply in under a minute. We'll check your eligibility and return a decision in seconds, powered by the NewDay platform's real-time credit engine.
Choose your plan
Pay over 6, 12, 24, or 48 months. Select 0% interest offers at partner retailers. Pay early fee-free, any time.
Safe & secure
Account access secured by biometric login, Turnstile-protected forms, and bank-grade encryption in transit and at rest.
Use Vale Finance at thousands of retailers
From home improvements to electronics, travel to furniture — use your Vale Finance account wherever you see the logo.