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 Smart Watch - Silver Grey with No Credit Check Finance

Looking for the advanced Garmin Venu 4 45mm GPS Fitness Smart Watch in stylish Silver Grey? Discover a smarter way to own it with our accessible finance options.

Experience cutting-edge fitness tracking and smart features with the Garmin Venu 4 45mm. This versatile smartwatch is designed to help you live a healthier, more connected life, offering detailed health insights, built-in GPS for all your activities, and a vibrant display. From monitoring your heart rate and sleep to tracking your daily steps and favourite sports, the Venu 4 provides comprehensive data to support your wellness journey. Its durable design and long battery life mean it's ready for whatever your day brings, all in an elegant Silver Grey finish.

We understand that purchasing a new smartwatch can be a significant investment, and traditional credit checks can sometimes be a barrier. That's why we're proud to offer a flexible, 'no credit check' finance solution for the Garmin Venu 4. This means you can get your hands on this fantastic device without worrying about your credit history impacting your application. Our aim is to make technology more accessible to everyone, ensuring you don't miss out on the latest innovations.

Our exclusive TrustPay option provides a straightforward way to spread the cost. With TrustPay, you can enjoy 0% APR, meaning you pay no interest on your purchase. It's a transparent and fair way to finance your Garmin Venu 4, with no hidden fees. You could be approved for up to £1,200, giving you the flexibility to secure your new smartwatch today. Simply choose TrustPay at checkout, and follow the easy steps to complete your application. We focus on your ability to repay, not just your credit score.

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.

How does 'no credit check' finance work for the Garmin Venu 4?

Our 'no credit check' finance option, TrustPay, assesses your affordability based on current income and expenditure rather than relying solely on your credit history. This allows more people to access finance for their purchases.

What are the benefits of using TrustPay?

TrustPay offers 0% APR, meaning you pay no interest. There are no credit checks involved, and you could be approved for up to £1,200, making it a flexible and affordable way to purchase your Garmin Venu 4.

Is TrustPay compliant with UK financial regulations?

Yes, TrustPay is designed to be fully compliant with UK financial regulations, including those set by the FCA (Financial Conduct Authority). We ensure transparency and responsible lending in all our finance offerings.

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