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 Laptop Finance: Bad Credit Options

Looking to upgrade to the HP OmniBook 3 16-inch laptop but worried a low credit score will hold you back? We provide transparent, accessible finance options designed to help you secure essential tech without upfront stress.

The HP OmniBook 3 16in is built for modern productivity, packing an AMD Ryzen AI 5 processor, 16GB of RAM, and a rapid 512GB SSD. Whether you are running complex business tools, studying, or managing creative projects, this 16-inch laptop handles demanding workloads effortlessly. However, high-spec laptops often come with an upfront cost that not everyone can pay right away, especially when everyday budgets are tight.

If you have a poor credit history or have been turned down by mainstream lenders, securing flexible finance can feel difficult. That is why we offer TrustPay at checkout. TrustPay offers an alternative financing route featuring 0% APR and no credit check, with approved spending limits up to £1,200. This allows you to spread the cost of the HP OmniBook 3 into predictable, interest-free instalments that fit your budget.

Unlike traditional loan providers who rely heavily on past credit bureau data, TrustPay focuses on straightforward accessibility. Because there is no credit check, applying will not leave a mark on your credit file or lower your rating. You get a clear, transparent repayment structure with zero interest, meaning the price you see is the total price you pay over the duration of your plan.

HP OmniBook 3 16in Ryzen AI 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: £1708.20 split into 12 payments of £142.35 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1708.20. 0% APR, no interest, no fees.

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

Yes. Financing solutions like TrustPay do not conduct traditional credit bureau checks, making them accessible to customers with low or limited credit ratings.

How does TrustPay work for this laptop purchase?

TrustPay allows eligible UK customers to spread payments up to £1,200 at 0% APR with no credit check, splitting your total balance into manageable instalments.

Will checking my eligibility impact my credit file?

No. Because TrustPay does not run a hard credit search, exploring and using this finance option will not affect your credit score.

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