Buy Now, Pay Later: Catalogues for Bad Credit History & No Credit Checks

Discover a new way to shop for all your household essentials, electronics, and more, regardless of your credit score, with Trusty Stores and our inclusive TrustPay payment solution.

At Trusty Stores, we believe everyone deserves access to quality products. That's why our "catalogue for bad credit history" solution, TrustPay, is designed to be fair and accessible. We understand that life happens, and a past credit issue shouldn't stop you from getting what you need. With TrustPay, you can shop with confidence, knowing you're getting a transparent 0% APR payment plan tailored for you. Enjoy the convenience of spreading your costs without hidden fees or surprise charges.

We're proud to offer instant approval up to £1,200 with TrustPay, making it simpler than ever to get the items you love. Unlike traditional credit catalogues, we focus on your current ability to pay, not just your credit past. This means no intrusive credit checks, just a straightforward application process that gets you approved quickly. It’s our commitment to inclusive lending, ensuring a smooth and stress-free shopping experience for everyone in the UK, including those with no credit history.

Why wait for the things you need? Our extensive range of products, combined with the flexibility of TrustPay, means you can furnish your home, upgrade your tech, or get those essential appliances today. Enjoy 0% APR and manage your budget with easy pay-monthly or pay-weekly options. Trusty Stores is your reliable partner, helping you shop smartly and responsibly, even when other lenders say no. Experience the difference with TrustPay – the smarter way to buy now and pay later.

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 catalogue if I have a bad credit history?

Yes, absolutely! Trusty Stores offers TrustPay, an inclusive payment solution designed for people with bad credit history or no credit history at all. We focus on your ability to pay now, not your past.

Is there a credit check to open an account?

No, with Trusty Stores and TrustPay, there are no traditional credit checks. We offer instant approval up to £1,200, making it easier for everyone to shop.

What is 0% APR?

0% APR means you pay no interest on your purchases. With TrustPay at Trusty Stores, the price you see is the price you pay, spread across convenient pay-monthly or pay-weekly instalments.

How much can I borrow with TrustPay?

TrustPay offers instant approval up to £1,200, allowing you to purchase a wide range of products from our catalogue and spread the cost with 0% APR payments.

How quickly can I get approved?

Our TrustPay system offers instant approval. Once you apply, you'll typically receive a decision right away, so you can start shopping without delay.

Related pages

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