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 Venu 4 45mm GPS Smartwatch - Silver Grey: Own It Today with 0% APR!

Looking to upgrade your fitness tracking and daily tech? The Garmin Venu 4 45mm GPS Fitness Smart Watch in Silver Grey offers a blend of style, performance, and advanced features to keep you connected and motivated.

Experience the pinnacle of personal health and fitness technology with the Garmin Venu 4. This elegant 45mm silver grey smartwatch isn't just about telling time; it's your personal coach, health monitor, and communication hub, all beautifully packaged on your wrist. Track your steps, monitor your heart rate, analyse your sleep patterns, and even gain insights into your body's energy levels with Body Battery™ monitoring. With built-in GPS, you can accurately record your runs, cycles, and walks without needing your phone, making every workout count.

The Garmin Venu 4 goes beyond basic fitness tracking. Enjoy preloaded animated workouts directly on your screen, guiding you through strength, cardio, yoga, and Pilates routines. Stay connected with smart notifications for calls, texts, and social media alerts right on your wrist when paired with your compatible smartphone. Need music for your workout? Download songs and playlists from Spotify®, Deezer, or Amazon Music directly to your watch for phone-free listening with wireless headphones. Plus, with Garmin Pay™ contactless payments, you can leave your wallet at home.

We understand that investing in premium tech like the Garmin Venu 4 is a significant decision. That's why we're proud to offer a flexible, FCA-compliant payment solution to make ownership easier. With TrustPay, you can split the cost of your new Garmin Venu 4 into manageable instalments, completely interest-free. Yes, that's right – 0% APR on your purchase! This means you pay no more than the advertised price for your smartwatch.

Garmin Venu 4 45mm GPS Fitness Smart Watch - Silver Grey

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: £1258.20 split into 12 payments of £104.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1258.20. 0% APR, no interest, no fees.

What payment options are available for the Garmin Venu 4?

You can purchase the Garmin Venu 4 using standard payment methods or opt for our TrustPay 0% APR financing. TrustPay allows you to spread the cost interest-free.

How does TrustPay 0% APR work?

TrustPay allows you to pay for your Garmin Venu 4 in instalments with 0% interest (0% APR). There is no credit check, and you can be approved for up to £1,200. This makes your purchase more affordable without extra cost.

Is there a credit check for TrustPay financing?

No, one of the key benefits of TrustPay is that it does not require a traditional credit check. This helps make it more accessible for a wider range of customers to purchase our products.

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