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.

Phones Pay Monthly — No Credit Check, 0% APR with TrustPay

Get a brand-new mobile phone and pay monthly with TrustPay — no credit checks, no deposit, 0% APR over 12 instalments.

Choose from the latest iPhone, Samsung Galaxy, Google Pixel and more. Spread the cost into 12 monthly instalments with TrustPay at 0% APR.

Every customer is approved up to £1,200 instantly. There are no credit checks, no impact on your credit score, and bad credit, CCJs or no credit history are all welcome.

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: £250.20 split into 12 payments of £20.85 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £250.20. 0% APR, no interest, no fees.

What you can get on this plan

SAMSUNG Galaxy A16 - 128 GB, Black — 12 payments of £20.85 (£250.20 total, 0% APR)
SAMSUNG Galaxy A17 5G - 128 GB, Black — 12 payments of £25.35 (£304.20 total, 0% APR)
Samsung Galaxy Watch8 40mm Smart Watch - White/Silver — 12 payments of £40.35 (£484.20 total, 0% APR)
Google Pixel Watch 3 45mm Wi-Fi Smart Watch - Porcelain — 12 payments of £40.35 (£484.20 total, 0% APR)
GOOGLE Pixel 9a - 128 GB, Iris — 12 payments of £52.35 (£628.20 total, 0% APR)
GOOGLE Pixel 9a - 128 GB, Porcelain — 12 payments of £52.35 (£628.20 total, 0% APR)
Samsung Galaxy Watch9 40mm Smart Watch - Cream — 12 payments of £58.35 (£700.20 total, 0% APR)
SAMSUNG Galaxy A37 5G - 128 GB, Charcoal Grey — 12 payments of £59.85 (£718.20 total, 0% APR)
GOOGLE Pixel 10a - 128 GB, Lavender — 12 payments of £64.36 (£772.20 total, 0% APR)
Samsung Galaxy Watch Ultra (2025) Smart Watch - Grey/Orange — 12 payments of £89.85 (£1078.20 total, 0% APR)
GOOGLE Pixel 9 Pro XL - 128 GB, Obsidian — 12 payments of £89.85 (£1078.20 total, 0% APR)
GOOGLE Pixel 10 - 256 GB, Obsidian — 12 payments of £97.35 (£1168.20 total, 0% APR)

Frequently asked questions

Can I get a phone on pay monthly with bad credit?

Yes. TrustPay performs no credit checks, so bad credit, CCJs and no credit history are all welcome and approved instantly up to £1,200.

Is phone pay monthly interest-free?

Yes — TrustPay is 0% APR. You only pay the phone price, split across 12 equal monthly instalments.

Do I need a deposit for a phone?

No deposit is required. Apply, choose your phone, and start paying monthly with TrustPay.

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