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 with Bad Credit Finance Options

Dreaming of the advanced features of the Garmin Venu 4 45mm GPS Smart Watch but worried about your credit history? We understand that past financial challenges shouldn't stop you from owning the tech you deserve to enhance your health and fitness.

Discover the Garmin Venu 4 45mm GPS Smart Watch in stylish Silver Grey, a powerful companion for your active lifestyle. This advanced smartwatch offers comprehensive health monitoring, including heart rate tracking, advanced sleep insights, and body battery energy monitoring. With built-in GPS, you can accurately track your outdoor runs, cycles, and walks without needing your phone. Enjoy crisp visuals on its vibrant AMOLED display, and stay connected with smart notifications directly on your wrist. It's designed to help you understand your body better and achieve your fitness goals, making every step count towards a healthier you.

We believe everyone should have access to quality technology, regardless of their credit score. That's why we've partnered with TrustPay to offer flexible finance solutions specifically for customers with bad credit. TrustPay provides a straightforward way to spread the cost of your Garmin Venu 4, with 0% APR available, ensuring you pay no extra interest on your purchase. Crucially, TrustPay performs no credit checks, meaning your past financial history will not be a barrier to approval. This helps protect your credit score while still allowing you to get the products you need.

Through TrustPay, you can be approved for financing up to £1,200, more than enough to cover the cost of your new Garmin Venu 4 45mm GPS Smart Watch. The application process is quick and simple, designed with plain English terms so you can understand every step. We aim for transparency and ease, allowing you to focus on choosing your new device rather than worrying about complex financial jargon. This flexible payment plan allows you to manage your budget effectively, making premium technology accessible without financial strain.

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.

Can I buy the Garmin Venu 4 45mm with bad credit?

Yes, absolutely! We understand that credit challenges happen. Our partnership with TrustPay allows you to finance your Garmin Venu 4 even with a less-than-perfect credit history, using their no-credit-check options.

How does TrustPay's 0% APR and no credit check work?

TrustPay offers a finance solution with 0% Annual Percentage Rate (APR), meaning you pay no interest on your purchase. They do not perform traditional credit checks, focusing on affordability rather than past credit scores, making it accessible for more customers up to £1,200.

What is the maximum amount I can finance with TrustPay?

With TrustPay, eligible customers can be approved for up to £1,200 in financing. This amount is typically sufficient to cover the cost of the Garmin Venu 4 45mm GPS Smart Watch, helping you spread the payments affordably.

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