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.

HP OmniBook 3 14in Laptop Finance for Bad Credit

Looking for a reliable, modern laptop but concerned that past credit issues will hold you back? You can spread the cost of the HP OmniBook 3 14in with simple, transparent finance options tailored to you.

The HP OmniBook 3 14in is built for dependable everyday performance, featuring the Intel Core 5 processor, 16GB of RAM, and a fast 512GB solid-state drive. Whether you are working from home, tackling university coursework, or managing family admin, this sleek 14-inch machine delivers rapid boot times and fluid multitasking. Quality tech is essential today, yet mainstream UK retailers often reject applicants with low or non-existent credit scores.

We believe a historical credit score shouldn't stop you accessing vital technology. That is why we provide TrustPay at checkout, giving you access to 0% APR finance with no credit check required. Eligible customers can be approved for up to £1,200, allowing you to secure the HP OmniBook 3 without facing high interest fees, upfront barriers, or marks on your credit file.

Applying takes just moments online and provides a clear breakdown of your scheduled instalments before you confirm. Because TrustPay does not rely on traditional credit scoring agencies, your eligibility is assessed cleanly and fairly. You will know exactly what you need to pay each month, helping you plan your household spending without unexpected surprises.

HP OmniBook 3 14in Intel Core 5 16GB 512GB Laptop

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: £1618.20 split into 12 payments of £134.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1618.20. 0% APR, no interest, no fees.

Can I buy the HP OmniBook 3 if I have bad credit?

Yes. Our checkout offers TrustPay, which considers your current circumstances rather than refusing you based on past credit file issues, making it accessible for customers with bad credit.

Does applying through TrustPay involve a credit check?

No, TrustPay requires no credit check. Applying will not impact your credit score or leave a search footprint on your file, with approvals available up to £1,200.

Will I pay interest on my laptop payments?

No. TrustPay is fixed at 0% APR, meaning you only ever repay the original price of the HP OmniBook 3 split evenly over your agreed schedule.

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