Buy Now Pay Later Sofas — No Credit Check, 0% APR
Spread the cost of a sofa over 12 instalments with TrustPay — no credit checks, 0% APR, bad credit welcome.
Shop sofa 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: £223.18 split into 12 payments of £18.60 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £223.18. 0% APR, no interest, no fees.
What you can get on this plan
- Sectional Corner Sofa & Dark Grey Cushion Solid Acacia Wood vidaXL — 12 payments of £18.60 (£223.18 total, 0% APR)
- Habitat Poppy Fabric 2 Seater Sofa - Natural — 12 payments of £43.75 (£525.00 total, 0% APR)
- Argos Home Knox Faux Leather 2 Seater Sofa - Black — 12 payments of £55.00 (£660.00 total, 0% APR)
- Home Nolan Fabric 3 Seater Clic Clac Sofa Bed -Natural - Habitat Kota 3 Seater Fabric Clic Clac Sofa Bed — 12 payments of £57.25 (£687.00 total, 0% APR)
- Home Chase Fabric 3 Seater Clic Clac Sofa Bed-Charcoal - Habitat Brooks Fabric 3 Seater Clic Clac Sofa Bed — 12 payments of £60.85 (£730.20 total, 0% APR)
- Habitat Julien Velvet 2 Seater Sofa - Natural - Habitat Julien Velvet 2 Seater Sofa — 12 payments of £67.94 (£815.25 total, 0% APR)
- Home Knox Faux Leather 2 Seater Sofa - Tan - Argos Home Cynthia Fabric 2 Seater Sofa — 12 payments of £75.25 (£903.00 total, 0% APR)
- Home Milano Leather 2 Seater Sofa - Ivory - Argos Home Milano Leather 2 Seater Sofa — 12 payments of £80.50 (£966.00 total, 0% APR)
- Home Lisbon Fabric 2 Seater Sofa Bed - Charcoal - Argos Home Lisbon Fabric 2 Seater Sofa Bed — 12 payments of £88.00 (£1056.00 total, 0% APR)
- Argos Home Toby Faux Leather 3 Seater Recliner Sofa - Grey — 12 payments of £93.85 (£1126.20 total, 0% APR)
- Habitat Chesterfield Velvet 2 Seater Sofa - Blue - Habitat Chesterfield Velvet 2 Seater Sofa — 12 payments of £95.35 (£1144.20 total, 0% APR)
- Giardino Sydney Rattan 3 Seater Sofa - Brown — 12 payments of £98.85 (£1186.20 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.
Related pages
Apply for a TrustPay account — instant decision, no credit check