Do you do credit checks?

No, we do not perform any credit checks. Everyone is welcome to apply for our £1,200 guaranteed credit, regardless of credit history.

Can I apply with bad credit?

Yes! We welcome customers with bad credit, no credit, or CCJs. Our catalogue credit is available to everyone with no credit checks required.

TrustPay is our flexible payment solution that allows you to spread the cost of your purchases with 0% APR and no hidden fees.

How much credit can I get?

All approved customers receive a guaranteed £1,200 credit limit to spend in our online store.

wardrobe — Pay Monthly, 0% APR TrustPay

Spread the cost of a wardrobe over 12 monthly instalments with TrustPay — 0% APR, no credit checks, bad credit welcome.

Every wardrobe on this page is available on TrustPay — our in-house 0% APR facility. No deposit. No credit search. No hidden fees. Approved instantly up to £1,200.

Bad credit, CCJs, defaults and no credit history are all welcome. Applying never affects your credit score. Your first payment is taken at checkout, and dispatch is confirmed after your 4th on-time payment.

Trusty Stores is a real UK retailer based in the West Midlands with thousands of five-star reviews. Real humans, real UK support — no chatbots, no gimmicks.

How you pay with TrustPay

Every TrustPay plan is 12 equal payments. You choose how often they come out:

Weekly — 12 payments over 12 weeks
Fortnightly — 12 payments over 24 weeks
Monthly — 12 payments over 12 months

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.

Example: £58.80 split into 12 payments of £4.90 — the same amount whether you pay weekly, fortnightly or monthly. Total to pay £58.80. 0% APR, no interest, no fees.

What you can get on this plan

Home Arch Metal Frame Fabric Wardrobe — 12 payments of £4.90 (£58.80 total, 0% APR)
Home Seville 1 Door Wardrobe — 12 payments of £11.20 (£134.40 total, 0% APR)
Argos Home Malibu 3 Drawers Open Storage Wardrobe - White — 12 payments of £25.00 (£300.00 total, 0% APR)
Argos Home Nova 1 Door Sliding Wardrobe - Oak — 12 payments of £27.70 (£332.40 total, 0% APR)
Argos Home New Scandinavia 2 Door 2 Drawer Wardrobe - White — 12 payments of £34.00 (£408.00 total, 0% APR)
Argos Home Nova 3 Door Sliding Wardrobe - White — 12 payments of £36.25 (£435.00 total, 0% APR)
Argos Home Brisbane 2 Door 3 Drawer Mirror Wardrobe - Oak — 12 payments of £40.60 (£487.20 total, 0% APR)
Home Malibu 2 Door 3 Drawer Mirror Wardrobe - Walnut — 12 payments of £42.25 (£507.00 total, 0% APR)
Habitat Nomad 2 Door 2 Drawer Wardrobe - Oak Effect — 12 payments of £44.35 (£532.20 total, 0% APR)
Argos Home Zeke 3 Door 3 Drawer Wardrobe - White — 12 payments of £56.20 (£674.40 total, 0% APR)
Argos Home Brisbane 4 Door 3 Drawer Wardrobe - Oak — 12 payments of £72.86 (£874.20 total, 0% APR)
Kielder 3 Door Mirror Wardrobe - White — 12 payments of £96.85 (£1162.20 total, 0% APR)

Frequently asked questions

Is there a credit check on wardrobe finance?

No. TrustPay is a zero-credit-check facility and applying never affects your credit score.

How much can I be approved for?

Every applicant is approved instantly up to £1,200.

Do I have to pay a deposit?

No deposit — you'll only pay your first monthly instalment at checkout.

Can I qualify with bad credit or a CCJ?

Yes. Bad credit, CCJs, defaults and no credit history are all welcome.

How quickly is my wardrobe dispatched?

Your order is dispatched after your 4th on-time payment. Please allow up to 10 working days from that point for delivery.

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