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.

TCL A400M 85" 4K QD-Mini LED TV – Buy Now, Pay Later

Transform your living room with the flagship TCL A400M 85" 4K Ultra HD QD-Mini LED Smart TV, available today with flexible buy now pay later options. Experience massive, cinema-grade entertainment in your home without the need to pay the entire cost upfront.

The TCL 85A400MUK combines state-of-the-art QD-Mini LED backlight technology with Quantum Dot colour, delivering ultra-high contrast, deep blacks, and striking peak brightness. Whether you are watching live sport, streaming the latest 4K HDR series, or console gaming, this 85-inch display brings every scene to life with incredible clarity. Packed with an intuitive Smart TV interface and multi-channel surround sound support, it offers a truly immersive viewing experience for the entire family.

Upgrading to a top-tier home entertainment setup does not have to disrupt your monthly budget. With our buy now pay later solutions, you can secure the TCL-85A400M today and split the price into manageable, structured payments. Spreading your payments lets you enjoy premium visual performance right away while keeping your personal cash flow smooth and under control.

To make spreading the cost simple and transparent, we offer TrustPay at checkout. With TrustPay, eligible shoppers can get approved for up to £1,200 with 0% APR and absolutely no credit check required. Because there is zero interest applied to your plan, you only ever pay for the cost of your television, with no surprise charges or hidden interest fees when you maintain your scheduled payments.

A400M 85" 4K Ultra HD QD-Mini LED HDR Smart TV - 85A400M | TCL-85A400MUK

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: £3058.20 split into 12 payments of £254.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £3058.20. 0% APR, no interest, no fees.

Can I buy the TCL A400M 85" TV with no credit check?

Yes. When you choose TrustPay at checkout, you can be approved for up to £1,200 with no credit check and 0% APR.

What happens if the total order value exceeds £1,200?

If your total basket value is higher than the £1,200 TrustPay limit, you simply pay the difference upfront as a deposit using a debit or credit card.

Are there any interest charges or fees with TrustPay?

TrustPay carries 0% APR, meaning you will not pay any interest on your financing plan as long as your scheduled repayments are kept on track.

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