Wondering does Raylo do credit checks? Discover how Raylo assesses leases and explore TrustPay for guaranteed 0% APR plans with no credit check.
If you are asking does Raylo do credit checks, the short answer is yes. Raylo performs hard credit checks through credit reference agencies to assess your financial history, which means past defaults, late payments, or an incomplete credit file can lead to an outright decline. For shoppers who want the latest tech without the fear of damaging their credit rating, these strict underwriting barriers make finding an affordable mobile phone, laptop, or tablet lease unnecessarily stressful and limiting.
At Trusty Stores, we believe in inclusive lending that looks forward, not backward. Instead of penalising your past with rigid scorecards, we offer our own flexible financing called TrustPay. With TrustPay, you can split your order into manageable weekly or monthly instalments with absolutely no credit check required. Every customer receives a fair assessment based on current affordability, allowing you to get approved up to £1,200 instantly without any impact on your credit profile.
Our community-first approach ensures you can access essential modern tech and everyday essentials completely interest-free. TrustPay comes standard with 0% APR, meaning you will never be surprised by hidden interest fees, service charges, or compounding penalties. Simply choose the weekly or monthly payment schedule that fits your household budget, confirm your order online, and enjoy direct doorstep delivery with total financial peace of mind. Experience a warmer, simpler alternative to traditional leasing today.
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, Raylo conducts a hard credit check with major credit reference agencies when you apply for a device lease, which can impact your credit score and result in refusal if you have bad credit.
Raylo may decline applications due to poor credit history, low credit scores, or failing their automated affordability algorithms. Trusty Stores offers an inclusive alternative via TrustPay with no credit checks.
TrustPay is an inclusive alternative to Raylo that provides flexible weekly or monthly instalments, 0% APR, and instant approval up to £1,200 with no credit check required.
Applying with TrustPay will never affect your credit score because we do not run hard or soft credit checks through external bureaus, making approval accessible for everyone.
Eligible UK shoppers can be approved up to £1,200 instantly using TrustPay at checkout, allowing you to spread the cost over simple weekly or monthly payments at 0% APR.
Apply for a TrustPay account — instant decision, no credit check