Mobile Phones on Credit — No Credit Check, Bad Credit Welcome

Shop the latest SIM-free smartphones on catalogue credit. iPhone 17, Samsung Galaxy S25, Google Pixel 10 and more — spread the cost over 12 instalments with TrustPay 0% APR. Every handset arrives unlocked to all UK networks (EE, O2, Vodafone, Three, Tesco, GiffGaff, Lebara, Smarty and more) and ships brand new with full 12-month manufacturer warranty.

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Popular Mobile Phones

  • iPhone 17 Pro Max 256GB — A19 Pro chip, titanium frame
  • Samsung Galaxy S25 Ultra 512GB — 200MP camera, S Pen
  • Google Pixel 10 Pro — Tensor G5, 7 years of OS updates
  • iPhone 16 128GB — A18 chip, USB-C, camera control button
  • Samsung Galaxy A55 5G — 6.6" Super AMOLED, IP67
  • Google Pixel 8a — Tensor G3, 5-year update guarantee
  • OnePlus 13 — Snapdragon 8 Elite, 100W SuperVOOC charging
  • Honor Magic 7 Pro — Falcon Camera System, 5,850 mAh

Mobile Phones buyer's guide

Choosing the right SIM-free handset

If photography matters, go for the iPhone 17 Pro Max or Galaxy S25 Ultra — both deliver flagship optical zoom and computational night photography. For pure value, the Pixel 8a and Galaxy A55 5G offer flagship-grade software for under £450. Gamers should look at the OnePlus 13 for its 144Hz display and active vapour cooling.

Why SIM-free is cheaper than a contract

Network contracts bundle the handset cost with airtime over 24-36 months and typically add £200-£600 in interest. Buying SIM-free on TrustPay at 0% APR means you only pay the handset price, then pair it with any pay-as-you-go SIM. The average TrustPay customer saves around £380 over a 24-month carrier deal.

Storage, RAM and 5G — what actually matters

256GB is now the sweet spot for most users — enough for 4K video, 200+ apps and a few years of photos. 8GB RAM is the minimum for smooth Android multitasking; 12GB+ futureproofs you for on-device AI. All phones in our catalogue support sub-6GHz 5G across every UK network.

Mobile Phones — frequently asked questions

Are the phones brand new and UK stock?

Yes — every handset is brand new, sealed, UK-spec, and comes with the full manufacturer warranty (12 months minimum). We never sell refurbished, grey-import or grade-B stock.

Will the phone work on my network?

Every phone is fully unlocked and works on EE, O2, Vodafone, Three and every UK MVNO including GiffGaff, Smarty, Lebara, Tesco Mobile and Voxi.

Can I get an iPhone with bad credit?

Yes. TrustPay does not perform credit checks. If you've had CCJs, defaults, IVAs or no credit history, you're still eligible for our £1,200 spending limit.

When will my phone be dispatched?

Mobile phones are dispatched once you've cleared your fourth on-time instalment (typically week 4). This protects both parties under our unregulated credit model.

Mobile Phones on Credit at Trusty Stores

Trusty Stores is the UK's no-credit-check phone catalogue. Whether you want the latest iPhone 17 Pro Max, a Galaxy S25 Ultra for productivity, or a budget-friendly Pixel 8a, every device is approved on a £1,200 TrustPay account at 0% APR — no interest, no hidden fees, no impact on your credit file. Apply in 60 seconds.