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 Victus 15 Gaming Laptop Finance for Bad Credit

Looking for high-end gaming performance without high upfront costs holding you back? Get the HP Victus 15-fa2103na on flexible payment terms designed for customers with less-than-perfect credit.

The HP Victus 15-fa2103na delivers serious modern gaming performance straight out of the box. Packed with an Intel Core i7 processor, 16GB of RAM, a snappy 512GB SSD, and dedicated NVIDIA GeForce RTX 5050 graphics, this 15-inch powerhouse easily handles modern AAA games, esports titles, and creative multitasking with fluid frame rates and crisp visuals.

A low credit score or limited credit history should not stop you from accessing reliable hardware. Through our finance partner TrustPay, you can spread the cost into predictable, interest-free instalments. TrustPay features 0% APR with no credit check, providing qualifying shoppers with approvals up to £1,200 so you can secure your new laptop without stressful financial checks.

We champion clear, responsible financing in plain English. Because TrustPay is completely interest-free (0% APR), you only repay the exact purchase price—there are never hidden interest charges, unexpected compounding fees, or surprises. Before you commit, you will see a transparent breakdown of your payment schedule to ensure repayments remain affordable for your budget.

HP Victus 15-fa2103na 15in i7 16GB 512GB RTX5050 Gaming 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: £2878.20 split into 12 payments of £239.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £2878.20. 0% APR, no interest, no fees.

Can I buy the HP Victus 15 laptop if I have bad credit?

Yes. TrustPay offers finance without hard credit checks, helping customers with bad credit or no credit history access up to £1,200 to spread the cost comfortably.

Will I be charged interest on my TrustPay repayments?

No. TrustPay is 0% APR, meaning you pay zero interest throughout your repayment plan. You only ever repay the fixed price of your laptop.

Is the HP Victus 15-fa2103na capable of running new PC games?

Yes. With its Intel Core i7 processor, 16GB RAM, and NVIDIA RTX 5050 graphics, it delivers smooth framerates, ray tracing capabilities, and quick loading times across modern games.

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