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.

Garmin Forerunner 165 Music Smartwatch - Turquoise: Buy Now, Pay Later

Looking to elevate your running experience without the upfront cost? Discover the Garmin Forerunner 165 Music Smartwatch in a vibrant Turquoise, and take advantage of our flexible 'Buy Now, Pay Later' options.

The Garmin Forerunner 165 Music is your perfect running companion, designed with dedicated metrics to help you achieve your goals. This sleek and lightweight GPS smartwatch tracks your pace, distance, heart rate, and offers personalised daily suggested workouts. Plus, with integrated music storage, you can leave your phone behind and enjoy your favourite tunes wirelessly while you run. Its bright AMOLED display ensures your stats are always clear, even in direct sunlight, and its impressive battery life keeps pace with your longest training sessions.

Measuring your progress is effortless with the Forerunner 165 Music. Beyond essential running data, it provides advanced insights like VO2 Max, recovery time, and even sleep tracking, giving you a holistic view of your fitness and well-being. With support for multiple satellite systems, you'll get accurate tracking wherever your runs take you. Whether you're a seasoned marathoner or just starting your running journey, this smartwatch offers the tools and motivation you need to improve.

We understand that investing in top-tier tech can be a significant decision, which is why we're proud to offer TrustPay. With TrustPay, you can split the cost of your new Garmin Forerunner 165 Music Smartwatch into manageable payments. The best part? It's genuinely 0% APR, meaning you pay no extra interest on your purchase. TrustPay offers approval up to £1,200, and crucially, there are no credit checks required, making it an accessible option for many.

Garmin Forerunner 165 Music Smart Watch - Turquoise

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: £538.20 split into 12 payments of £44.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £538.20. 0% APR, no interest, no fees.

What is TrustPay?

TrustPay is our 'Buy Now, Pay Later' option, allowing you to spread the cost of your purchase with 0% APR. There are no credit checks involved, and approval is available for up to £1,200.

How does 0% APR work with TrustPay?

0% APR means you will only pay back the exact price of your Garmin Forerunner 165 Music Smartwatch. There are no additional interest charges or hidden fees when using TrustPay.

Will using TrustPay affect my credit score?

No, TrustPay does not perform credit checks. Therefore, applying for and using TrustPay for your Garmin Forerunner 165 Music will not impact your credit score.

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