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-fb3104na Gaming Laptop – No Credit Check Finance

Level up your gaming setup today with the high-performance HP Victus 15-fb3104na, without worrying about your credit history holding you back. Spread the cost effortlessly with TrustPay, featuring 0% APR and no credit check required.

The HP Victus 15-fb3104na is built to deliver serious power for PC gaming and creative work. Featuring an AMD Ryzen 7 processor, 12GB of responsive RAM, and a rapid 512GB solid-state drive, this 15-inch laptop handles demanding multitasking with ease. At its heart lies the NVIDIA GeForce RTX 4050 graphics card, delivering lifelike ray tracing and AI-powered DLSS 3 performance so you can play modern titles smoothly at high framerates.

Upgrading your gaming gear should be straightforward, regardless of your credit score. If you have been declined elsewhere or want to avoid marks on your credit profile, our flexible finance options help you get the equipment you need. With TrustPay, you can split the purchase price over time without undergoing any credit checks. Eligible UK shoppers can be approved for up to £1,200 in minutes, giving you immediate access to premium hardware.

We believe in honest, transparent finance with zero hidden surprises. TrustPay operates with 0% APR, meaning you will never pay a penny in interest or extra charges—you simply repay the exact ticket price of the laptop across manageable instalments. To ensure responsible borrowing, we always encourage you to review your budget and confirm that the scheduled repayments remain comfortable and affordable for your personal circumstances.

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 really buy the HP Victus 15 with no credit check?

Yes. When you choose TrustPay at checkout, your application is processed with no hard or soft credit checks, allowing you to spread the cost up to £1,200 safely.

Does TrustPay charge any interest on payments?

No. TrustPay offers 0% APR, meaning there is zero interest to pay. You only ever repay the retail price of the laptop across your agreed payment schedule.

Will the RTX 4050 run modern PC games comfortably?

Yes. The combination of the AMD Ryzen 7 chip, 12GB RAM, and NVIDIA GeForce RTX 4050 delivers fluid Full HD gaming on modern titles, supported by DLSS 3 frame generation.

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