We’re proud to serve close to 5 million customers across the UK through our diverse and growing business. Our purpose is stra ... ightforward, to help people move forward with credit. We use our extensive customer knowledge to develop products and services that evolve in line with customers’ needs, promote long-term customer relationships and deliver strong business growth. Our Own-brand business serves customers who typically are employed but exhibit one or more additional characteristics such as a limited credit history or a history of adverse credit events that prevents them from easily accessing credit from mainstream credit provider. We offer four products to suit a range of customer needs – aqua, marbles, fluid and Opus. In the Co-brand sector, we provide credit products in partnership with several of the UK’s established retailers, including Amazon, AO.com, Arcadia Group and Debenhams. Our products include store cards, which are generally limited to use with a single retailer, and branded credit cards, which can be used more widely. On top of this, we offer NewPay - our instant access digital credit account that seamlessly integrates into a retailer’s brand and checkout experience. read more