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.

Fitbit Versa 4 Pay Monthly – No Credit Check

Upgrade your fitness tracking with the Fitbit Versa 4 in Black/Graphite, available on a flexible pay monthly plan with 0% APR and no credit checks.

Dreaming of the stylish Fitbit Versa 4 in Black/Graphite? Make it a reality today, even if you’re worried about your credit score.

The Fitbit Versa 4 in Black/Graphite is your perfect companion for a healthier, more connected life. Track your workouts, monitor your heart rate, manage your sleep, and stay on top of notifications – all from your wrist. With its sleek design and advanced features, it’s an investment in your wellbeing. We believe everyone should have access to the tech they need, which is why we’re offering a flexible payment solution.

If concerns about your credit history have stopped you from upgrading your smartwatch, we have great news. You can now get the Fitbit Versa 4 without a traditional credit check. We understand that life can throw financial curveballs, and a momentary dip in your credit score shouldn't prevent you from enjoying the benefits of a cutting-edge fitness tracker. Our payment partner, TrustPay, helps make this possible.

With TrustPay, you can spread the cost of your new Fitbit Versa 4 across manageable payments, completely interest-free. TrustPay offers 0% APR, meaning you only pay for the watch itself, with no hidden charges or extra interest. The application process is swift and straightforward, with no impact on your credit file. You could be approved for up to £1,200, more than enough to cover your new Fitbit Versa 4, typically within minutes.

Fitbit Versa 4 Smart Watch - Black/Graphite

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: £389.98 split into 12 payments of £32.50 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £389.98. 0% APR, no interest, no fees.

How does 'no credit check' work with TrustPay?

TrustPay uses a soft check for identity verification and affordability assessment. This means it doesn't leave a mark on your credit file and won't negatively impact your credit score, unlike traditional credit applications.

What is the APR for TrustPay payments?

TrustPay offers 0% APR on all eligible purchases. This means you will only pay back the exact price of your Fitbit Versa 4, with no additional interest charged.

What is the maximum amount I can be approved for?

TrustPay can approve you for up to £1,200, which is typically more than sufficient to cover the cost of your Fitbit Versa 4 Black/Graphite smartwatch.

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