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.

Apple Watch Ultra 3 (49mm, Black Milanese) – Pay Monthly with TrustPay

Dreaming of the powerful Apple Watch Ultra 3 but worried about your credit score? We understand that life happens, and a less-than-perfect credit history shouldn't stop you from owning the tech you need.

Introducing the groundbreaking Apple Watch Ultra 3 GPS+Cell 49mm with the elegant Black Milanese Loop (Large size). This isn't just a smartwatch; it's your ultimate companion for adventure, fitness, and staying connected. With its rugged titanium case, advanced health sensors, brighter display, and all-day battery life, it’s designed to push boundaries just like you. Whether you're tracking a mountain hike, monitoring your heart health, or making calls from your wrist, the Ultra 3 delivers unparalleled performance and reliability. It's the pinnacle of wearable technology, now more accessible than ever.

At Gadget Finance UK, we believe everyone deserves access to the latest technology, regardless of their credit past. That's why we're proud to offer TrustPay, our unique payment solution designed specifically for individuals with bad credit. You can apply for up to £1,200 and, here’s the best part, it comes with 0% APR. Yes, you read that right – absolutely no interest on your purchase! Plus, with TrustPay, there are no credit checks involved, so your past financial history won't stand in the way of owning your new Apple Watch Ultra 3.

Applying for TrustPay is straightforward and designed with you in mind. Our process is quick, transparent, and built to get you approved without the hassle typically associated with traditional finance options. We focus on your ability to pay today, not what happened yesterday. This means you could be enjoying your Apple Watch Ultra 3 sooner than you think, spreading the cost into manageable monthly payments that fit your budget, without any hidden fees or extra charges. We adhere strictly to FCA guidelines, ensuring fair and responsible lending practices at all times.

Apple Watch Ultra 3 GPS+Cell 49mm Black Milanese Loop - L

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: £1492.20 split into 12 payments of £124.35 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1492.20. 0% APR, no interest, no fees.

Can I really get an Apple Watch Ultra 3 with bad credit?

Yes, absolutely! Our TrustPay option is specifically designed for customers with varying credit histories. We don't perform credit checks, making it accessible even if you have bad credit.

What is TrustPay and how does it work?

TrustPay is our flexible payment solution that allows you to buy now and pay later. It offers 0% APR (no interest) and does not involve credit checks. You can be approved for up to £1,200, enabling you to spread the cost of your Apple Watch Ultra 3 into manageable monthly payments.

Are there any hidden fees or interest with TrustPay?

No. TrustPay is completely transparent. We offer 0% APR, meaning you pay no interest on your purchase. There are no hidden fees, ensuring you only pay for the product itself, spread across your chosen payment period.

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