Trusty Stores is the catalogue for bad credit — no credit checks, instant approval up to £1,200, 0% APR with TrustPay.
We're built specifically for shoppers turned away by mainstream catalogues. No credit checks. No CCJ refusals. No credit-score impact when you apply.
Shop our full range — TVs, laptops, phones, gaming, furniture, white goods — and split the cost over 12 equal instalments taken weekly, fortnightly or monthly. Approved instantly up to £1,200.
Bad credit usually means a hard search, a refusal and another mark on your file. We run no search at all, so there is nothing to fail and nothing recorded. CCJs, defaults, IVAs, missed payments, being on benefits and having no credit history are all fine.
There is no interest, no deposit and no late-payment penalty interest. The total you agree at checkout is the total you pay: the price of the goods, divided by 12, plus a one-off £4.99 account activation fee.
On your first order goods are dispatched once your plan is established — for most catalogue orders that is after the fourth on-time payment. It is how we can say yes without a credit check. From your second order onwards, items are dispatched straight away and your credit line stays open for good.
If a payment date lands badly you can move it free of charge by messaging the team. We would far rather move a date than see an account fall behind.
Every TrustPay plan is 12 equal payments. You choose how often they come out:
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: £51.58 split into 12 payments of £4.30 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £51.58. 0% APR, no interest, no fees.
Yes — we perform no credit checks at all. Whether you have a CCJ, default, IVA or no credit history, you're approved instantly up to £1,200.
Trusty Stores. There's no credit check, no minimum income requirement, and no impact on your credit score when you apply.
No. We don't check your credit so there's zero impact on your score.
Yes. CCJs, defaults, IVAs, arrears and missed payments make no difference, because we never look at your credit file.
Yes. There is no minimum income and no employment check. What matters is that the 12 payments are affordable for you.
By debit card on a plan of 12 equal payments — weekly, fortnightly or monthly. You pick the frequency and we set the dates around your payday.
No interest and no hidden fees. On your first order only, goods are dispatched once your plan is established — usually after the fourth on-time payment. Every order after that is dispatched straight away.
Apply for a TrustPay account — instant decision, no credit check