How it works
Vale Finance gives you a revolving credit account that works across thousands of UK retailers. Spread purchases over 6–48 months, manage everything from one app, and pay just one monthly bill.
1
Apply in 60 seconds
Fill in a simple form. We'll ask for basic info and run a soft credit check powered by NewDay's engine.
2
Get an instant decision
Your account is approved and your credit limit is set immediately. No waiting, no paperwork.
3
Shop and spread the cost
Use your Vale Finance account at any partner retailer. Pick a plan at checkout. Pay one bill a month.