If you are searching for a bad credit score phone contract, being declined by mainstream mobile networks can be a major hurdle. Trusty Stores offers a practical alternative, allowing you to secure the handset you want without traditional contract credit underwriting.
Mainstream mobile networks typically require spotless credit files before offering pay-monthly handsets. If you have past arrears, defaults, or CCJs, automated checks can cause instant refusals. TrustPay provides an accessible path forward by removing credit checks entirely, welcoming customers regardless of past credit issues.
With TrustPay, you can spread the cost of your mobile device across 12 weekly or monthly instalments at 0% APR. Eligible accounts benefit from a £1,200 limit, allowing you to choose modern smartphones. For your first purchase, your handset ships immediately after your 4th payment is completed, while subsequent orders are dispatched straight away.
Purchasing your smartphone via our catalogue also gives you total carrier freedom. Because devices arrive unlocked and SIM-free, you avoid expensive, multi-year network bundles and can simply pair your phone with an affordable pay-as-you-go or 30-day SIM-only plan that suits your budget.
Traditional contracts bundle your device and airtime into a long-term plan subject to stringent credit scoring. With TrustPay, you purchase the handset over 12 instalments with no credit checks, giving you the freedom to choose any low-cost SIM card you like.
No, we carry out no credit checks whatsoever. Having a low credit score, historic defaults, or CCJs will not stop you from placing an order with TrustPay.
For your first order, your phone is dispatched directly to your address after your 4th payment has been received. On future orders, items ship straight away without waiting for initial instalments.
TrustPay accounts have an available limit of up to £1,200 limit, which can be applied to handsets and other technology products across the catalogue.
No, all purchases are split across 12 weekly or monthly instalments at 0% APR, meaning you pay zero interest throughout your plan.
Apply for a TrustPay account — instant decision, no credit check