At Trusty Stores, we believe your credit history shouldn't hold you back, which is why our catalogues offer a fresh start with flexible payment options for everyone.
Feeling frustrated by your credit score? We get it. Mainstream lenders can make it tough to get the things you need. That's why we created Trusty Stores. We offer a wide range of fantastic products in our catalogues, all available with our unique TrustPay payment option. We specialise in helping people who have been turned down elsewhere, offering a straightforward path to approval. With TrustPay, you can be approved for up to £1,200 to spend on thousands of items, regardless of your credit history.
So, how does it work? It's simple. When you shop with us, you choose TrustPay at the checkout. This allows you to spread the cost of your purchases over manageable weekly or monthly payments, always at 0% APR. That means no interest, ever. We take a different approach to lending by not performing any credit checks. Instead, we run a quick, simple affordability check to ensure the payments are right for you. It’s a fair, inclusive way to get the things you want, without the stress.
Ready to start shopping? Browse our catalogues today to discover everything from the latest tech and home appliances to furniture and fashion. Once you’ve found what you’re looking for, applying for TrustPay takes just a few moments. You’ll get an instant decision, and if approved, you can complete your purchase right away. Enjoy the freedom of buy now, pay later with 0% APR and a spending limit of up to £1,200. With Trusty Stores, a bad credit history is no longer a barrier.
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, absolutely. At Trusty Stores, we welcome shoppers with all kinds of credit backgrounds. We use TrustPay, our fair and flexible payment option, which allows us to approve you up to £1,200 without focusing on your past credit history. It's our way of making shopping more inclusive for everyone in the UK.
While "guaranteed approval" can be a tricky term, our approach is designed to be as inclusive as possible. Trusty Stores offers instant decisions with our TrustPay finance. Because we don't perform credit checks, we can approve most UK customers up to a £1,200 spending limit based on a quick affordability assessment. It’s shopping made simple and fair.
It's simple! You shop our catalogue for the items you want, and at checkout, you choose TrustPay. This lets you spread the cost over several weeks or months. The best part? It's always 0% APR, so you never pay extra interest. We approve you up to £1,200 without a formal credit check, making it ideal if you've been turned down elsewhere.
Yes. Having a County Court Judgement (CCJ) doesn't automatically disqualify you from shopping with us. Our TrustPay system is designed to be inclusive, so instead of focusing on past issues like a CCJ, we make our decision based on a simple and fair affordability check. We believe everyone deserves a second chance to get the things they need.
There's no catch, just fairness. We're an FCA-regulated retailer committed to responsible lending. We offer 0% APR because we believe you should only pay for your product, not for credit. Our 'no credit check' approach is part of our mission to be inclusive, allowing us to welcome more customers than traditional lenders. You get a transparent agreement with a clear payment schedule.
Apply for a TrustPay account — instant decision, no credit check