bed on Pay Monthly — 0% APR TrustPay
Get the bed you want today and spread the cost over 12 flexible instalments with TrustPay — 0% APR, no credit checks, bad credit welcome.
Every bed on this page is available on TrustPay — our in-house 0% APR facility. No deposit. No credit search. No hidden fees. Every applicant is approved instantly up to £1,200 and you keep the item from day one.
Bad credit, CCJs, defaults and no credit history are all welcome. Applying never affects your credit score because we don't run credit checks. Your first payment is taken at checkout, and dispatch is confirmed after your 4th on-time payment.
Trusty Stores is a real UK retailer based in Liverpool with over 1,000 five-star reviews. We ship UK-wide and you deal with real humans, not chatbots.
How you pay with TrustPay
Every TrustPay plan is 12 equal payments. You choose how often they come out:
- Weekly — 12 payments over 12 weeks
- Fortnightly — 12 payments over 24 weeks
- Monthly — 12 payments over 12 months
The payment amount is identical whichever you pick — only the length of the plan changes. 0% APR, no deposit, no credit checks and no impact on your credit score.
Example: £51.60 split into 12 payments of £4.30 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £51.60. 0% APR, no interest, no fees.
What you can get on this plan
- Habitat Cal Metal Bedside Table - Green — 12 payments of £4.30 (£51.60 total, 0% APR)
- Argos Home Jenson 2 Drawer Bedside Table - White Gloss — 12 payments of £11.80 (£141.60 total, 0% APR)
- Argos Home Hallingford 3 Drawer Bedside Table - Anthracite — 12 payments of £17.50 (£210.00 total, 0% APR)
- Habitat Kids Rae Comfort Open Coil Mattress - Single — 12 payments of £21.85 (£262.20 total, 0% APR)
- King Size Mattress 5FT | 11" Extra Thick Memory Foam & Pocket Sprung | 9-Zone Orthopedic Support,Medium Firm,Motion Isolation,Edge Support 150x200x28cm — 12 payments of £30.30 (£363.60 total, 0% APR)
- Home Carlton 800 Pocket Mattress - Argos Home Carlton 800 Pocket Single Mattress — 12 payments of £35.35 (£424.20 total, 0% APR)
- Jay-Be Truecore Hybrid 2000 Pocket Mattress - Small Double — 12 payments of £40.45 (£485.40 total, 0% APR)
- Silentnight 1000 Pocket Luxury Mattress - Double — 12 payments of £46.45 (£557.40 total, 0% APR)
- Habitat Kota 3 Seater Fabric Clic Clac Sofa Bed - Charcoal - Habitat Kota 3 Seater Fabric Clic Clac Sofa Bed — 12 payments of £57.25 (£687.00 total, 0% APR)
- Habitat Kota 3 Seater Fabric Clic Clac Sofa Bed - Charcoal - Habitat Kota 3 Seater Velvet Clic Clac Sofa Bed — 12 payments of £58.75 (£705.00 total, 0% APR)
- Habitat Apartment Fabric 2 Seater Sofa Bed - Charcoal - Habitat Apartment Fabric 2 Seater Sofa Bed — 12 payments of £78.25 (£939.00 total, 0% APR)
- Millbrook Allure 1500 Pkt Luxury Pillowtop Firm Mattress - Double — 12 payments of £94.75 (£1137.00 total, 0% APR)
Frequently asked questions
Is there a credit check on bed finance?
No. TrustPay is a zero-credit-check facility and applying never affects your credit score.
How much can I be approved for?
Every applicant is approved instantly up to £1,200. That covers the full range of beds on our site.
Do I have to pay a deposit?
No deposit is required — you'll only pay your first weekly or monthly instalment at checkout.
Can I qualify with bad credit or a CCJ?
Yes. Bad credit, CCJs, defaults and no credit history are all welcome. TrustPay is built for people traditional finance turns away.
How quickly is my bed dispatched?
Your order is dispatched after your 4th on-time payment. Please allow up to 10 working days from that point for delivery.
Related pages
Apply for a TrustPay account — instant decision, no credit check