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 Series X & S Pay Monthly — No Credit Check, 0% APR

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

Whether you want the flagship Series X or the compact Series S, spread the cost over 12 monthly instalments with no credit checks.

Approved up to £1,200 instantly. Bad credit, CCJs and no credit history 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: £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)
PGA TOUR 2K25 Xbox Game Digital Download — 12 payments of £10.75 (£128.98 total, 0% APR)
Flight Simulator 2024 Standard Edition Xbox & PC Game — 12 payments of £11.50 (£137.98 total, 0% APR)
Forza Motorsport Premium Edition Game - Xbox & PC — 12 payments of £14.50 (£173.98 total, 0% APR)
EA Sports FC 26: 18500 FC Points Xbox One & Series X — 12 payments of £20.50 (£245.98 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 Series X on finance with bad credit?

Yes — TrustPay does no credit checks. Bad credit, CCJs welcome.

What about bundles?

Console-only and bundle deals all qualify, split over 12 monthly instalments at 0% APR.

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