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 serious gaming performance without past financial bumps getting in your way? Discover how you can spread the cost of the HP Victus 15-fb3104na with transparent, budget-friendly finance tailored for real life.

The HP Victus 15-fb3104na is built to handle modern PC gaming with ease. Powered by an AMD Ryzen 7 processor alongside dedicated NVIDIA GeForce RTX 4050 graphics, this 15-inch laptop delivers smooth frame rates, ray tracing capabilities, and quick multimedia rendering. Backed by 12GB of RAM and a responsive 512GB SSD, it provides rapid load times and seamless multitasking, whether you are diving into competitive esports or streaming your favourite titles.

A large upfront price tag can make updating your tech difficult, particularly if an imperfect credit history makes mainstream retailers turn you away. Traditional lenders often rely on automated credit scoring that penalises past mistakes, ignoring your current ability to pay. We take a different view: your gaming ambitions should not be held back by an outdated credit file, provided your repayments remain affordable and sustainable.

To help you upgrade responsibly, we offer flexible payment solutions like TrustPay. With TrustPay, eligible shoppers can access up to £1,200 in borrowing power at 0% APR, completely free of hard credit checks. Because there is no credit search recorded against your profile, you can secure the HP Victus 15 today and split the balance into clear, manageable instalments without damaging your credit rating.

HP Victus 15-fb3104na 15in R7 12GB 512GB RTX4050 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: £2338.20 split into 12 payments of £194.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £2338.20. 0% APR, no interest, no fees.

Can I finance the HP Victus 15 if I have a low credit score?

Yes. Payment options like TrustPay are designed to be accessible to shoppers with adverse or limited credit history, focusing on basic eligibility rather than past credit scores.

Will checking my eligibility with TrustPay affect my credit file?

No. TrustPay requires no credit check, meaning you can apply and get approved for up to £1,200 without any footprint or adverse impact on your credit file.

Are there any hidden interest charges or setup fees?

No. TrustPay offers 0% APR on qualifying purchases, ensuring your repayments simply cover the cost of the laptop with no extra interest added.

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