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.

Ricoh GR IIIx HDF: Your Photography Dreams, Even with Bad Credit

Unlock your creative potential with the stunning Ricoh GR IIIx HDF, a compact digital camera designed for exceptional image quality and street photography. We understand that financial history shouldn't stand between you and your passion.

The Ricoh GR IIIx HDF (Highlight Diffusion Filter) is a photographer's dream, featuring a powerful 24.24MP APS-C sensor, a crisp 40mm equivalent lens, and the innovative HDF filter for artistic, soft-focus effects. Its compact, robust design makes it the perfect companion for everyday shooting and adventurous travel alike. Capturing stunning detail and beautiful bokeh is effortless, allowing you to tell your story with unparalleled clarity and style.

At our core, we believe everyone deserves access to the tools they need to pursue their hobbies and professional goals. We recognise that having a less-than-perfect credit history can make securing finance challenging, and we're committed to offering transparent and accessible solutions. Our aim is to provide a clear pathway to owning the Ricoh GR IIIx HDF, without judgment or unnecessary hurdles.

Introducing TrustPay – a simple, FCA-compliant solution designed with you in mind. TrustPay offers 0% APR on your purchase, meaning you pay no interest on your repayments. Crucially, there are no traditional credit checks involved, making it an ideal option if you've been turned down elsewhere due to bad credit. You could be approved for up to £1,200, making the Ricoh GR IIIx HDF well within reach. This allows you to spread the cost into manageable monthly payments, easing the financial burden.

Ricoh GR IIIx HDF 24.24MP Compact Digital Camera - 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: £1979.98 split into 12 payments of £165.00 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £1979.98. 0% APR, no interest, no fees.

Can I buy the Ricoh GR IIIx HDF with bad credit?

Yes, we offer financial solutions specifically designed for customers with bad credit. Our TrustPay option is available without traditional credit checks, allowing you to get the Ricoh GR IIIx HDF.

What is TrustPay and how does it work?

TrustPay is a finance option offering 0% APR with no credit checks. You can be approved for up to £1,200, allowing you to spread the cost of your Ricoh GR IIIx HDF into manageable monthly payments without paying any interest.

Is TrustPay FCA compliant?

Yes, TrustPay is an FCA-compliant financial solution, meaning it adheres to the strict regulations set out by the Financial Conduct Authority, ensuring fair and transparent lending practices.

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