Do you do credit checks?

No, we do not perform any credit checks. Everyone is welcome to apply for our £1,200 guaranteed credit, regardless of credit history.

Can I apply with bad credit?

Yes! We welcome customers with bad credit, no credit, or CCJs. Our catalogue credit is available to everyone with no credit checks required.

TrustPay is our flexible payment solution that allows you to spread the cost of your purchases with 0% APR and no hidden fees.

How much credit can I get?

All approved customers receive a guaranteed £1,200 credit limit to spend in our online store.

Buy Now Pay Later Fridges — No Credit Check, 0% APR

Spread the cost of a fridge over 12 instalments with TrustPay — no credit checks, 0% APR, bad credit welcome.

Shop fridge with TrustPay — the UK's friendliest no-credit-check finance facility. 0% APR. No deposit. No hidden fees. Just 12 equal weekly or monthly instalments and you keep what you order.

Every applicant is approved instantly up to £1,200. Bad credit, CCJs, defaults and no credit history are all welcome. Applying never impacts your credit score because we don't run credit searches.

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: £184.20 split into 12 payments of £15.35 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £184.20. 0% APR, no interest, no fees.

What you can get on this plan

Altimo Tabletop Larder Fridge Auto Defrost - White - ATTLD4402W — 12 payments of £15.35 (£184.20 total, 0% APR)
Hisense Undercounter Larder Fridge - White - RL170D4BWE — 12 payments of £32.85 (£394.20 total, 0% APR)
Indesit Fridge Freezer 50/50 Low Frost - Black - IB55 532 B UK — 12 payments of £42.35 (£508.20 total, 0% APR)
Beko Fridge Freezer 50/50 Frost Free - Black - CFG4552B — 12 payments of £46.85 (£562.20 total, 0% APR)
Fridgemaster Fridge Freezer 60/40 Total No Frost - White - MC55251DE — 12 payments of £50.85 (£610.20 total, 0% APR)
Fridge Freezer 70/30 Total No Frost - White - INK2 5322 W4UK | IND-INK25322W4UK — 12 payments of £55.35 (£664.20 total, 0% APR)
Liebherr Undercounter Larder Fridge Auto Defrost - White - Rdi 1620 plus — 12 payments of £60.60 (£727.20 total, 0% APR)
Liebherr Fridge Freezer 60/40 SmartFrost - White - CUe 2331 — 12 payments of £65.70 (£788.40 total, 0% APR)
Hotpoint Fridge Freezer 50/50 Dual No Frost - Silver - HPKF 6353 XP4UK — 12 payments of £72.36 (£868.20 total, 0% APR)
American Style Fridge Freezer 60/40 Total No Frost - Inox - INGF 6421 XP4UK | IND-INGF6421XP4UK — 12 payments of £77.86 (£934.20 total, 0% APR)
Bosch Series 2 Fridge Freezer 60/40 Total No Frost - White - KGN36NWEAG — 12 payments of £85.35 (£1024.20 total, 0% APR)
Hotpoint Fridge Freezer 70/30 Dual No Frost - Brushed Steel - HPKF 5351 XP4UK — 12 payments of £97.35 (£1168.20 total, 0% APR)

Frequently asked questions

Is there a credit check?

No. TrustPay performs zero credit checks and applying never affects your credit score.

How much can I be approved for?

Every applicant is approved instantly up to £1,200.

Is there a deposit?

No deposit. Pay in 12 equal instalments at 0% APR.

Can I qualify with bad credit or a CCJ?

Yes. Bad credit, CCJs, defaults and no credit history are all welcome.

Apply for a TrustPay account — instant decision, no credit check