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 16in AMD Ryzen 7 Laptop on Finance for Bad Credit

Looking to upgrade to the powerful HP OmniBook 3 16in laptop but concerned your credit score might hold you back? Discover straightforward, flexible payment solutions designed to help you secure the tech you need without the barrier of traditional credit rejection.

The HP OmniBook 3 16in AMD Ryzen 7 laptop is engineered for productivity, entertainment, and seamless multitasking. Driven by an advanced AMD Ryzen 7 processor alongside 8GB of RAM, it handles everyday work, study, and media streaming effortlessly. A responsive 512GB SSD ensures quick boot times and generous storage for essential files, while the vibrant 16-inch display delivers comfortable viewing throughout long sessions.

A low credit score or limited credit history can make securing finance on major high-street platforms difficult. Many traditional lenders rely entirely on rigid automated scoring systems that penalise past difficulties. We believe in providing accessible pathways to essential computing, focusing on your current affordability rather than historic financial challenges so you can shop with confidence.

To make owning this laptop straightforward and manageable, you can spread the cost using TrustPay. With TrustPay, you can enjoy 0% APR and no credit check, with approval available for up to £1,200. This allows you to divide the total price into regular, budget-friendly payments without paying a penny extra in interest fees or having a credit search recorded against your profile.

HP OmniBook 3 16in AMD Ryzen 7 8GB 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: £1384.20 split into 12 payments of £115.35 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1384.20. 0% APR, no interest, no fees.

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

Yes. Payment alternatives like TrustPay do not run standard credit checks, allowing customers with low credit scores or thin credit files to spread the cost securely.

What are the terms when using TrustPay for this laptop?

TrustPay offers 0% APR financing with no credit check required, offering approval limits of up to £1,200. You simply repay the agreed cost of the laptop across set instalments.

Will applying for TrustPay affect my credit rating?

No. TrustPay does not perform a hard credit search to approve your purchase, meaning your application will not leave an adverse mark on your credit file.

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