About us

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Hello, we’re Aqua

Lots of companies look at people and only see a credit score.

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But at Aqua, we look at people differently.

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We do it because we believe that it’s always possible to build a better credit score with products like our Aqua Classic card (Representative 37.9% APR variable).

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That’s why ‘yes’ is one of our favourite words.?

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Our aim is to say yes to lots of different types of people:

  • Yes to helping people who have been rejected by high street lenders or people who are new to credit.
  • Yes to people who are self employed or have an irregular or low income.
  • Yes to those who might have had money troubles in the past and want to make a new start.
  • Or yes to people who simply want to build better credit.

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We do this because your credit score is more important than ever. It influences what you can buy, how you buy it and how much it costs.?

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As a responsible lender, we can’t always say yes – but we’ll offer tips and guidance to help you on the path to yes.

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Improving your credit score

With the right tools and support, everyone can begin a journey towards better credit. So we give you everything you need to get on track to build your credit score.

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An Aqua card also offers fair and sensible credit limits that may increase over time if you manage your account well. Text alerts and a dedicated app to help you stay on top of your account. And we also partner with CreditView to give you free, unlimited access to your credit report.

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Since 2002, we’ve said yes to over 1 million people so they can start their journey towards better credit. We’d love to help you too because we know you’re more than a credit score.


Representative 37.9% APR (variable) on Aqua?Classic.

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Aqua is powered by NewDay

Your Aqua card is issued by NewDay. If the name sounds familiar it’s because NewDay are one of the UK’s largest providers of consumer finance.

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NewDay has a really simple goal – to help people get better with credit.

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Above all, NewDay acts responsibly to help meet their customers’ needs, whether it’s by offering new ways to access credit or by providing tools that make managing finances easier.

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