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-fb3102na Gaming Laptop – No Credit Check

Upgrade your gaming setup today with the HP Victus 15-fb3102na, available with flexible weekly or monthly instalments and no credit check. Enjoy smooth 1080p performance without the hurdle of strict credit barriers or large upfront costs.

The HP Victus 15-fb3102na is built to deliver serious power without compromise. Powered by an AMD Ryzen 7 processor, 12GB of RAM, and dedicated NVIDIA GeForce RTX 3050 graphics, it effortlessly runs modern PC games like Fortnite, EA Sports FC, and Call of Duty. A swift 512GB solid-state drive ensures rapid boot times and ample storage for your favourite titles, while the 15-inch anti-glare Full HD display keeps fast-paced action crisp and fluid.

We believe a lower credit score should not stop you from accessing modern computing technology. Through our partnership with TrustPay, you can get approved for up to £1,200 with zero credit checks. There are no hard searches recorded on your credit file, meaning your credit rating stays completely untouched. Better yet, the plan comes with 0% APR, allowing you to split the cost without paying a single penny in interest or hidden charges.

The checkout process is straightforward, transparent, and completely digital. Simply add the HP Victus 15 to your basket, select TrustPay as your payment method, and complete a quick affordability check. In line with responsible lending principles, your plan is based on your current ability to pay rather than past financial mistakes, showing your scheduled repayments clearly before you confirm.

HP Victus 15-fb3102na 15in R7 12GB 512GB RTX3050 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: £3418.20 split into 12 payments of £284.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £3418.20. 0% APR, no interest, no fees.

Can I buy the HP Victus 15 laptop with no credit check?

Yes. By choosing TrustPay at checkout, you can spread the cost of your laptop without a hard credit search, making it accessible regardless of your past credit history.

How does 0% APR with TrustPay work?

TrustPay allows approved UK customers to spread purchases up to £1,200 across regular repayments at 0% APR. The total price you pay equals the laptop retail price, with no added interest.

Will applying for this finance plan harm my credit file?

No. TrustPay performs an affordability evaluation without hard credit checks, so applying will not lower or alter your UK credit score.

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