Spread the cost of your essentials today with TrustPay buy now pay later—no credit score or credit history required to get started.
Starting out with a thin credit file or no UK credit history shouldn't stop you from furnishing your home or upgrading essential appliances. At Trusty Stores, we believe in fair, accessible shopping for everyone. With TrustPay, you can buy now pay later with no credit score required to qualify. We base our decisions on modern affordability checks rather than past credit scores, ensuring you get transparent 0% APR finance that works around your personal budget with zero surprise fees.
Getting started is simple, secure, and completed entirely online within minutes. When you shop with TrustPay, eligible UK residents can be approved up to £1,200 instantly without waiting days for manual reviews. You can choose whether to spread your balance across flexible pay-weekly or pay-monthly instalments that suit your payday schedule. Best of all, because there is no credit check, your application will never impact or damage your credit profile, giving you total confidence at checkout.
Managing your finances should always feel empowering, not stressful. TrustPay is built on responsible and inclusive lending practices, allowing you to pay zero interest and keep your repayments straightforward. Whether you are ordering brand-new technology, home essentials, or everyday goods, our straightforward payment plans give you immediate access to quality products today. Join thousands of happy UK shoppers enjoying simple, flexible checkout without credit rating barriers or hidden penalties.
Every TrustPay plan is 12 equal payments. You choose how often they come out:
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.
Yes. With TrustPay, we use inclusive affordability assessments rather than credit ratings. You can apply and be approved up to £1,200 with no credit check and zero impact on your credit file.
Absolutely. TrustPay provides 0% APR on every purchase, meaning the price you see at checkout is the exact total you pay over your chosen weekly or monthly schedule.
Applying with TrustPay involves no credit check, which means your score will never be lowered by submitting an application with us.
Eligible UK shoppers can receive instant spending limits up to £1,200 upon completing our simple online checkout assessment.
You only need to be a UK resident aged 18 or older with an active UK bank account and a regular source of income to meet our basic affordability criteria.
Apply for a TrustPay account — instant decision, no credit check