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.

MSI Modern 14 Laptop: Power & Portability with Flexible Payments

Looking for a reliable and stylish laptop that won't break the bank upfront? The MSI Modern 14 R5 8GB 512GB laptop in black combines performance, portability, and fantastic payment flexibility.

The MSI Modern 14 is engineered for productivity and creativity on the go. Featuring a powerful AMD Ryzen 5 processor, 8GB of RAM, and a rapid 512GB SSD, it handles everyday tasks, creative projects, and multitasking with ease. Its stunning 14-inch display provides crisp visuals, all housed within a sleek, lightweight black chassis that’s perfect for students, professionals, and anyone who needs power on the move.

We understand that investing in new technology can be a significant decision, which is why we offer accessible payment solutions. You can now get your hands on this impressive MSI Modern 14 laptop with our 'Buy Now, Pay Later' option. This means you can enjoy your new device immediately and spread the cost over manageable instalments.

Our seamless payment solution, TrustPay, makes it easier than ever to own the tech you need. With TrustPay, you could be approved for up to £1,200 with 0% APR, and crucially, *no credit check* is required. This inclusive approach ensures that more customers can access the products they desire without traditional credit barriers. We are committed to offering transparent and FCA-compliant payment options, so you can shop with confidence and clarity.

MSI Modern 14 14in R5 8GB 512GB Laptop - Black

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: £1270.20 split into 12 payments of £105.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1270.20. 0% APR, no interest, no fees.

What is 'Buy Now, Pay Later' with TrustPay?

TrustPay allows you to purchase the MSI Modern 14 laptop today and pay for it in instalments over a set period, without an upfront lump sum. It offers a 0% APR option.

Is a credit check required for TrustPay?

No, TrustPay is designed to be accessible, meaning there is no credit check required. This helps more customers access flexible payment options for their purchases.

What is the maximum amount I can be approved for with TrustPay?

Customers can typically be approved for up to £1,200 through TrustPay. This amount should comfortably cover the cost of the MSI Modern 14 laptop, allowing you to pay over time.

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