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 R5 Laptop: Own It Now with 0% APR Finance

Looking for a powerful, portable laptop without the upfront cost? The MSI Modern 14 R5 is now more accessible than ever with our flexible finance options.

Experience productivity and entertainment on the go with the sleek MSI Modern 14 14-inch R5 Laptop. Designed for everyday users, students, and professionals alike, this black beauty packs an AMD Ryzen 5 processor, 8GB of RAM, and a speedy 512GB SSD, ensuring smooth multitasking and quick boot times. Its compact 14-inch display offers vibrant visuals, making it perfect for work, streaming, or browsing, wherever life takes you.

We understand that investing in new technology can be a significant decision. That's why we're proud to offer a smarter way to buy your MSI Modern 14 R5: TrustPay. With TrustPay, you can split the cost of your new laptop into manageable, interest-free instalments. This means you can get the tech you need today without compromising your budget.

TrustPay makes financing your MSI Modern 14 incredibly straightforward. Benefit from 0% APR, ensuring you only pay the price of the laptop – no hidden fees or extra interest. The best part? There are no credit checks required, meaning almost everyone can qualify. You could be approved for up to £1,200, more than enough to cover the cost of this fantastic laptop, often within minutes.

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 TrustPay?

TrustPay is our finance option that allows you to pay for your purchases in interest-free instalments. It offers 0% APR and does not require a credit check, making it an accessible way to manage your budget.

How does 0% APR work with TrustPay?

0% APR means you only pay back the exact amount of your purchase. There are no additional interest charges, making it a cost-effective way to spread the cost of your MSI Modern 14 laptop.

Am I eligible for TrustPay?

TrustPay aims to be as inclusive as possible. As there are no credit checks, most UK residents over 18 can be approved for up to £1,200. Simply select TrustPay at checkout to see if you qualify.

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