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.

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

Get the latest Xbox Series X or Series S and pay monthly with TrustPay — no credit checks, 0% APR.

Shop Xbox Series X, Series S and Xbox bundles. Split the cost into 12 affordable monthly payments.

TrustPay performs no credit checks. Approved up to £1,200 instantly. Bad credit and CCJs 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: £51.58 split into 12 payments of £4.30 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £51.58. 0% APR, no interest, no fees.

What you can get on this plan

Mafia: The Old Country Xbox Series X Game — 12 payments of £4.30 (£51.58 total, 0% APR)
The Sims 4 Enchanted by Nature Expansion Pack Xbox One Game — 12 payments of £6.25 (£74.98 total, 0% APR)
Forza Horizon 5 Premium Add-Ons Bundle - XBOX — 12 payments of £7.00 (£83.98 total, 0% APR)
EA Sports FC 26: 5900 FC Points Xbox One & Series X — 12 payments of £7.83 (£93.88 total, 0% APR)
Mafia: The Old Country Deluxe Edition Xbox Series X/S Game — 12 payments of £9.55 (£114.58 total, 0% APR)
NBA 2K26 200,000 Virtual Currency Xbox Series X |S & Xbox One — 12 payments of £9.55 (£114.58 total, 0% APR)
DYNASTY WARRIORS: ORIGINS Xbox Game Digital Download — 12 payments of £10.75 (£128.98 total, 0% APR)
Starfield Standard Edition Xbox Series X/S & PC Game — 12 payments of £11.50 (£137.98 total, 0% APR)
NBA 2K26 Superstar Edition Xbox Series X/S Game — 12 payments of £14.50 (£173.98 total, 0% APR)
TCL A65K Design Series Soundbar with Wireless Subwoofer - Black — 12 payments of £29.85 (£358.20 total, 0% APR)
Xbox Series S - 1TB in Robot White — 12 payments of £76.67 (£919.98 total, 0% APR)
Xbox Series X 1TB - Digital - White — 12 payments of £96.17 (£1153.98 total, 0% APR)

Frequently asked questions

Can I get an Xbox on pay monthly with bad credit?

Yes. TrustPay does not run credit checks — bad credit and CCJs are welcome.

What's the interest rate?

0% APR. You only pay the price of the console, split into monthly instalments.

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