Buy Now Pay Later Phones with 0% APR and No Credit Check

Looking for a new phone but worried about upfront costs or credit checks? Trusty Stores offers a simple and fair way to get the tech you need today.

At Trusty Stores, we believe everyone deserves access to essential technology, regardless of their credit history. With TrustPay, our unique financing solution, you can get approved for up to £1,200 instantly, with absolutely no credit checks. This means you can choose from a fantastic range of the latest mobile phones and spread the cost with clear, manageable payments, without any hidden fees or interest charges.

Our 0% APR promise ensures that you only ever pay back the price of your phone – nothing more. We understand that life can throw unexpected challenges, and that a less-than-perfect credit score shouldn't stop you from staying connected. TrustPay is designed to be inclusive, offering instant approval whether you have bad credit, no credit history, or are simply looking for a flexible way to manage your finances.

Applying for your new phone with TrustPay is quick, easy, and completely online. Once approved up to £1,200, you can select your desired handset and set up your convenient pay-monthly or pay-weekly plan. We're committed to transparent and responsible lending, giving you peace of mind that you're making a smart choice for your budget and your communication needs, all with the reassurance of Trusty Stores.

How you pay with TrustPay

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.

Can I get a phone on finance with bad credit?

Yes, absolutely! TrustPay is designed for everyone, including those with bad credit or no credit history. We offer instant approval up to £1,200 with no credit checks, so you can get the phone you need.

How does 0% APR work with TrustPay?

Our 0% APR means you pay no interest at all on your purchases. You simply pay back the price of your phone in manageable, regular instalments, making it a truly affordable way to buy.

What is TrustPay and how can I get approved?

TrustPay is our flexible finance option at Trusty Stores. It offers instant approval up to £1,200 with no credit checks. To get approved, simply apply online through our website – it's quick and easy!

Do you perform credit checks for phone finance?

No, at Trusty Stores, we do not perform traditional credit checks when you apply for finance with TrustPay. We believe in inclusive lending, making it easier for everyone to get approved for up to £1,200.

What phones can I buy with Pay Monthly and no credit check?

With TrustPay, you can finance a wide range of the latest mobile phones available on our website. Once you're approved up to £1,200, you'll be able to choose the perfect handset for you, all with 0% APR and no credit check.

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