Refused
Approved.
Phones on
Finance.
0% APR, no credit checks, store credit with TrustPay. Approved in 60 seconds. Delivered in 10 working days.
Whatever the networks called you
Pick your situation. We'll show you why the answer here is still yes.
Frequently asked
Do you run a credit check?
No. TrustPay uses its own affordability model — no hard search, no soft search, and nothing reported to Experian, Equifax or TransUnion. Applying leaves your credit file completely untouched.
I've been refused by EE, O2, Three and Vodafone. Will I be approved here?
Almost certainly. The networks decline for credit-file reasons — thin file, defaults, missed payments. TrustPay ignores all of that and approves on current affordability.
How long does delivery take?
We dispatch within 10 working days of your final confirmation. Tracking is sent by email and SMS the moment the courier collects.
Is it really 0% APR?
Yes. 0% APR for the full term of every plan — not a teaser rate, not a promo window. You pay the sticker price of the phone split into equal monthly payments.
Do I need a guarantor?
No guarantor, co-signer or supporting paperwork required. You apply on your own.
What if I have a CCJ, IVA or default?
None of these block your application. TrustPay is not credit-referenced, so past defaults, IVAs and CCJs simply don't come into it.
Get the phone. Skip the credit check.
One short form. A decision in under 60 seconds. No hard search.