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 85" 85A400M 4K QD-Mini LED TV on Flexible Instalments

Upgrade your home entertainment with the colossal TCL A400M 85-inch 4K QD-Mini LED Smart TV without paying the full cost upfront. Enjoy flexible, interest-free instalments designed to keep premium entertainment comfortably within your everyday budget.

The TCL-85A400MUK brings genuine cinema-scale viewing straight into your living room. Featuring cutting-edge QD-Mini LED technology, this 85-inch 4K Ultra HD display delivers pinpoint contrast, extraordinary peak brightness, and true-to-life colour reproduction. Combined with advanced HDR support and an intuitive Smart TV interface, your favourite sports, films, and video games look sharper, richer, and more immersive than ever before.

A screen of this scale is an exciting upgrade, but you do not need to dip into your savings to take it home. With our partner TrustPay, you can spread the purchase price across predictable, straightforward instalments. TrustPay offers 0% APR, meaning you will never pay a penny in added interest or hidden finance fees. It is a clear, fair way to balance high-end technology with sensible household budgeting.

Worried about your credit score? TrustPay provides finance with no credit check required, helping you secure credit approval up to £1,200. This ensures that applying will not leave a footprint on your personal credit file. We believe in open, responsible shopping: your repayments remain entirely fixed from day one, so you will always know exactly what leaves your account and when.

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 85A400M on instalments without a credit check?

Yes. When you choose TrustPay at checkout, there is no credit check required to set up your payment plan, meaning your credit score is completely protected.

Are there any interest charges on TrustPay payment plans?

No. TrustPay offers 0% APR on all instalment plans. The total price of the television is simply divided into agreed scheduled payments with zero interest added.

What if the TV price exceeds the £1,200 TrustPay limit?

TrustPay approves customers for up to £1,200. If the total order exceeds this amount, you can simply pay the remaining difference upfront using a standard debit or credit card.

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