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: Pay in Instalments with TrustPay

Ready to elevate your running with the vibrant Garmin Forerunner 165 Music Smartwatch in Turquoise? Discover how you can own this incredible device today with our flexible payment options.

The Garmin Forerunner 165 Music is more than just a running watch; it's your ultimate training partner. With built-in GPS, adaptive training plans, wrist-based heart rate monitoring, and music storage, it's designed to help you smash your personal bests. Its bright AMOLED display ensures your stats are always clear, and the long-lasting battery keeps you going run after run. And let's not forget that stunning turquoise finish – perfect for making a statement.

We understand that investing in top-tier tech like the Garmin Forerunner 165 Music is a decision that requires careful consideration. That's why we're pleased to offer a straightforward and accessible way to spread the cost. With our 'buy now, pay later' options, you can enjoy your new smartwatch without a large upfront payment, making premium fitness tracking more affordable than ever.

Introducing TrustPay, our convenient payment solution that allows you to purchase your Garmin Forerunner 165 Music Smartwatch in manageable instalments. The best part? TrustPay offers 0% APR, meaning you pay exactly what the watch costs – no hidden interest. Plus, there's no credit check required, making it an accessible option for many customers. TrustPay can approve purchases up to £1,200, comfortably covering the cost of your new Garmin Forerunner.

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 a payment method available at checkout that allows you to spread the cost of your purchase into manageable, interest-free instalments. It offers 0% APR.

Is there a credit check for TrustPay?

No, TrustPay does not require a credit check, making it an accessible payment option for a wider range of customers.

What is the maximum amount I can finance with TrustPay?

TrustPay can approve purchases up to £1,200, which is sufficient for many high-value items, including the Garmin Forerunner 165 Music Smartwatch.

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