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.

Bad Credit Finance Uk — No Credit Check, 0% APR

Spread the cost of a bad-credit finance over 12 instalments with TrustPay — no credit checks, 0% APR, bad credit welcome.

Shop bad-credit finance with TrustPay — the UK's friendliest no-credit-check finance facility. 0% APR. No deposit. No hidden fees. Just 12 equal weekly or monthly instalments and you keep what you order.

Every applicant is approved instantly up to £1,200. Bad credit, CCJs, defaults and no credit history are all welcome. Applying never impacts your credit score because we don't run credit searches.

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: £160.20 split into 12 payments of £13.35 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £160.20. 0% APR, no interest, no fees.

What you can get on this plan

Manhattan Aero 4K TV Streamer with Freely — 12 payments of £13.35 (£160.20 total, 0% APR)
Hisense 40 Inch 40E4QTUK Smart FHD HDR LED Freely TV — 12 payments of £28.35 (£340.20 total, 0% APR)
Samsung 43 Inch UE43U8000FK Smart 4K UHD HDR LED TV — 12 payments of £37.35 (£448.20 total, 0% APR)
Hisense 43 Inch 43A6QTUK Smart 4K UHD HDR LED Freely TV — 12 payments of £41.35 (£496.20 total, 0% APR)
Samsung 55 Inch UE55U7000FK Smart 4K UHD HDR LED TV — 12 payments of £44.85 (£538.20 total, 0% APR)
Samsung 50 Inch QE50QEF1AU Smart 4K UHD HDR QLED TV — 12 payments of £49.35 (£592.20 total, 0% APR)
LG 50 Inch 50QNED7EB3C Smart 4K UHD HDR Mini LED AI TV — 12 payments of £55.50 (£665.98 total, 0% APR)
LG 55 Inch 55NU8E0B3LA Smart 4k UHD HDR LED Nano AI TV — 12 payments of £61.00 (£731.98 total, 0% APR)
Hisense 50 Inch 50E8QTUK Smart 4K UHD HDR Mini LED Freely TV — 12 payments of £68.36 (£820.20 total, 0% APR)
LG QNED71 55" 4K QNED Mini LED Smart TV - 55QNED71B6B — 12 payments of £76.86 (£922.20 total, 0% APR)
Samsung U8020F 55" 4K Ultra HD LED Crystal Processor 4K Smart TV - UE55U8020F — 12 payments of £85.35 (£1024.20 total, 0% APR)
Hisense E7QTUK 75" 4K Ultra HD QLED Freely Smart TV - 75E7QTUK — 12 payments of £99.35 (£1192.20 total, 0% APR)

Frequently asked questions

Is there a credit check?

No. TrustPay performs zero credit checks and applying never affects your credit score.

How much can I be approved for?

Every applicant is approved instantly up to £1,200.

Is there a deposit?

No deposit. Pay in 12 equal instalments at 0% APR.

Can I qualify with bad credit or a CCJ?

Yes. Bad credit, CCJs, defaults and no credit history are all welcome.

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