How to Improve Your Credit Rating and Still Shop with TrustPay

Worried about your credit rating holding you back from buying what you need? Trusty Stores offers a helping hand, letting you shop now and pay later, while you work on improving your financial standing.

Many people believe a less-than-perfect credit history means missing out on essential items or desirable goods. At Trusty Stores, we see things differently. We understand that everyone deserves access to quality products without the stress of traditional credit checks. Our unique TrustPay solution is designed to be inclusive, offering a straightforward path to pay-monthly or pay-weekly purchases for our UK customers.

Instead of focusing on your past credit score, we focus on helping you get what you need today. With TrustPay, you can get instant approval for up to £1,200 for a wide range of products, all with 0% APR. This means no hidden interest charges – you simply pay the advertised price in affordable, manageable instalments. It's a transparent and fair way to manage your purchases, giving you peace of mind.

While TrustPay offers a solution for immediate needs, it can also play a positive role in your financial journey. By consistently making your payments on time with TrustPay, you demonstrate responsible financial behaviour. This commitment can indirectly support your efforts to build a stronger financial profile over time, making future financial applications more favourable. We're here to help you move forward.

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 shop pay-monthly if I have bad credit?

Yes! Trusty Stores uses TrustPay to offer pay-monthly options with 0% APR, and we don't perform traditional credit checks. We offer instant approval up to £1,200, making it easier for everyone to shop.

Does TrustPay perform a credit check?

No, TrustPay does not perform a credit check when you apply. We focus on inclusive lending, offering instant approval up to £1,200 so you can shop without worrying about your credit history.

How does 0% APR pay-monthly work?

With TrustPay, you pay 0% APR on your pay-monthly or pay-weekly purchases. This means you only pay the price of the item itself, spread over affordable instalments, with no extra interest charges.

What is the maximum I can be approved for?

You can get instant approval for up to £1,200 with TrustPay at Trusty Stores. This amount allows you to choose from a wide range of our quality products.

Will using TrustPay improve my credit rating?

While TrustPay doesn't directly report to credit bureaus, making regular, on-time payments demonstrates responsible financial habits. This can be a positive step in your overall financial management, which may indirectly support your goal of improving your credit rating.

Related pages

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