2024 The Hut.com Ltd t/a Mybag.com is an Introducer Appointed Representative of Pay4Later Limited, trading as Deko, which is authorised and regulated by the Financial Conduct Authority (FRN 728646). Deko is a credit broker, not a lender and does not charge you for credit broking services. We will introduce you exclusively to Newpay finance products provided by NewDay Limited under this Introducer Appointed Representative arrangement. Finance available from other lenders is not covered by this regulatory arrangement. The Hut.com Ltd (FRN: 981986), trading as Mybag.com is an Introducer Appointed Representative of Frasers Group Credit Broking Limited (FRN: 947961) who are authorised and regulated by the Financial Conduct Authority as a credit broker not a lender. Frasers Plus is a credit product provided by Frasers Group Financial Services Limited (FRN: 311908) and is subject to your financial circumstances. For regulated payment services, Frasers Group Financial Services Limited is a payment agent of Transact Payments Limited, a company authorised and regulated by the Gibraltar Financial Services Commission as an electronic money institution. Missed payments may affect your credit score.