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 IV 25.74MP Compact Digital Camera - Black: Buy Now, Pay Later

Unlock your creative potential with the remarkable Ricoh GR IV 25.74MP Compact Digital Camera in sleek black. Now, owning this powerful photographic tool is more accessible than ever with our flexible buy now, pay later options.

The Ricoh GR IV is renowned among street photographers and enthusiasts alike for its exceptional image quality and compact design. Featuring a 25.74-megapixel APS-C sensor, it delivers incredibly sharp images with rich detail and impressive low-light performance. Its fast 28mm equivalent f/2.8 lens is perfect for capturing candid moments with beautiful bokeh, while the responsive autofocus ensures you never miss a shot. Designed for portability, the GR IV fits comfortably in your pocket, making it the ideal companion for everyday photography and travel.

We understand that investing in premium camera equipment can be a significant decision. That's why we've partnered with TrustPay to offer you a straightforward and responsible way to purchase your Ricoh GR IV. With TrustPay, you can spread the cost of your camera over manageable payments, giving you the flexibility to enjoy your new gear without immediate financial strain. It's an excellent way to budget effectively while still acquiring the high-quality products you desire.

Our buy now, pay later option with TrustPay is designed with clarity and fairness in mind. You can benefit from 0% APR, meaning you only pay for the camera itself, with no added interest charges. Crucially, TrustPay provides instant decisions with no credit check required for approval up to £1,200. This means a quicker, simpler process, ensuring you can get your Ricoh GR IV without unnecessary delays or impact on your credit file. We are committed to providing transparent financial solutions in line with UK consumer protection guidelines.

Ricoh GR IV 25.74MP 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: £2339.98 split into 12 payments of £195.00 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £2339.98. 0% APR, no interest, no fees.

What is TrustPay and how does it work?

TrustPay is our buy now, pay later partner that allows you to spread the cost of your purchase over several payments. You can get instant approval for up to £1,200 with 0% APR and no credit check. Simply select TrustPay at checkout.

Will using TrustPay affect my credit score?

No, TrustPay offers instant approval for sums up to £1,200 without performing a credit check. This means applying will not impact your credit score.

Is the Ricoh GR IV suitable for beginners?

Yes, while offering professional-grade image quality, the Ricoh GR IV is also user-friendly. Its compact size and intuitive controls make it an excellent choice for both experienced photographers and those looking to advance their skills.

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