Jaja Finance Ltd

Reference number: 775979

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When jaja.co.uk first appeared online, and whether it can receive email
  • What kind of line 0345 607 6500 is
  • Who else gives the postcode SE1 0BS
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Other names (8)

If you were contacted under any of these names, it is this firm.

  • AA Credit Card Trading name
  • Asda Money Credit Card Trading name
  • Asda Money Select Credit Card Trading name
  • Jaja Credit Card Trading name
  • Jaja One Credit Card Trading name
  • Jaja Vanta Credit Card Trading name
  • Jaja Vanta Purchase Credit Card Trading name
  • Asda Flexible Payments Former trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (9 permissions)
  • 1. Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account.
  • 2. Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account.
  • 3. Executing payment transactions (no credit line)
  • 4. Executing payment transactions (credit line)
  • 5. Issuing and/or acquiring of payment instruments.
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Providing Credit Information Services

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
119
upheld, against a 31% median
35%
about banking and credit
119

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
09797750
Company status
Active
Company type
Private limited company
Incorporated
28 September 2015 (11 years old)
Registered office
27 Old Gloucester Street, Holborn, London, WC1N 3AX, England
Nature of business
  • Business and domestic software development (SIC 62012)
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
Adrian Stuart Rushton Director Sep 1972 31 Mar 2022 None
Francesco Di Costanzo Director May 1987 25 Oct 2024 2 other companies
David James Goodman Director Jun 1982 6 Jul 2026 6 other companies
Adrian Stuart Rushton Secretary Not published 31 Mar 2022 –

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
6
closed down
2
is FCA-registered
1

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register, including one no longer authorised
  • The 2 companies these 3 directors run together
  • All 19 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2021Full accountsAudited

Turnover

£12.8m

No earlier figure to compare

Profit before tax

−£17.9m

No earlier figure to compare

Net assets

£9.81m

No earlier figure to compare

Cash at bank

£5.64m

No earlier figure to compare

* Cash at bank usually includes customers’ money.

About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

Accounts filed at Companies House for company 09797750. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

Jaja Finance’s history from the FCA register and Companies House, newest first.

Key events (10) All events (58)

2019

27 June 2019

  • Jaja Finance Holding (UK) Limited took control (75–100% of shares)

Companies House

2017

29 August 2017

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

7 March 2017

  • Jostein Svendsen stopped being a part-owner
  • Kyrre Riksen stopped being a part-owner
  • Per Oivind Elvebakk stopped being a part-owner

Companies House

2016

6 April 2016

  • Jostein Svendsen became a part-owner (25–50% of shares)
  • Kyrre Riksen became a part-owner (25–50% of shares)
  • Per Oivind Elvebakk became a part-owner (25–50% of shares)

Companies House

2015

28 September 2015

  • Incorporated at Companies House

Companies House

In the full report: all 58 events

  • All 58 events in its history (10 shown here)
  • Every director appointment and resignation: 37
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Firms connected to Jaja Finance

Other FCA-listed firms that share a director, phone number or address with Jaja Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3
past link
1

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Jaja Finance

Other firms of the same type (lender), nearest first.

In London

Clydesdale Financial Services LimitedLondonAuthorisedSaga Services LimitedLondonAuthorisedSainsbury's Financial Services LimitedLondonAuthorisedMadison CF UK LimitedLondonAuthorisedLendable LtdLondonAuthorisedSalary Finance LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Jaja Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 58 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Jaja Finance Ltd FCA authorised?
Yes, Jaja Finance Ltd (FRN 775979) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2017 and works as a lender. The FCA has placed no limits on its permissions.
What is Jaja Finance’s phone number and website?
The FCA register lists the phone number 0345 607 6500 and the website jaja.co.uk for Jaja Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Jaja Finance a scam or clone?
Jaja Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Jaja Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Jaja Finance to the Financial Ombudsman Service, free of charge.
Who owns Jaja Finance?
Jaja Finance is owned by Jaja Finance Holding (UK) Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 27 June 2019. Before that, it was controlled by Mr Jostein Svendsen, Mr Per Oivind Elvebakk and Mr Kyrre Riksen.
Who runs Jaja Finance?
Companies House lists 3 directors of Jaja Finance: Adrian Stuart Rushton, Francesco Di Costanzo and David James Goodman.
How long has Jaja Finance been in business?
The company was formed on 28 September 2015, and has held its current FCA authorisation since August 2017.
What do Jaja Finance’s latest accounts show?
Its latest accounts, to 31 December 2021, show turnover of £12.8m (no earlier figure to compare) and profit before tax of −£17.9m (no earlier figure to compare).
How many complaints does Jaja Finance get?
In January–June 2025, the Financial Ombudsman Service received 119 new complaints about Jaja Finance, and upheld 35% of those it decided.
Does Jaja Finance use any other names?
It trades as AA Credit Card, Asda Money Credit Card, Asda Money Select Credit Card, Jaja Credit Card and Jaja One Credit Card, and 2 more names. It has previously used the name Asda Flexible Payments.

Sources and links

The full report on Jaja Finance Ltd

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