Frequently Asked

Answered questions, numbered by section. Every response drafted to the same standard as the spec sheet.

1. Section · 01

   Do you run a credit check?

   We do not run a credit check. Your application will not affect your credit score and is not visible to other lenders.

2. Section · 02

   How fast is approval?

   Most applicants receive a decision within 60 seconds of submitting the online form.

3. Section · 03

   Do I need a deposit?

   No. All TrustPay agreements start with no deposit. Your first payment is scheduled after delivery.

4. Section · 04

   Do I need a guarantor?

   No guarantor is required. Apply as a sole applicant.

5. Section · 05

   Can I apply if I've been declined elsewhere?

   Yes. A decline by PayPal Credit, Klarna, or a high-street lender does not mean automatic decline with TrustPay. Our criteria assess current affordability rather than credit score alone.

6. Section · 06

   Can I apply on benefits or Universal Credit?

   Yes. Universal Credit, PIP, ESA, DLA, tax credits and pension credit are all counted as eligible income.

7. Section · 07

   What APR do you charge?

   0.0% APR across the entire term. There is no interest and no arrangement fee.

8. Section · 08

   How long is delivery?

   Insured, tracked delivery within 10 working days of approval.

9. Section · 09

   What laptops can I choose from?

   The full catalogue: Chromebooks, Windows laptops from 11" to 17.3", 2-in-1 touchscreens, MacBooks, gaming laptops, and laptop + printer / monitor bundles.

10. Section · 10

    Can I pay early?

    Yes. You can settle early at any time with no fees and no penalties.

11. Section · 11

    What happens if I miss a payment?

    Contact us immediately. We work with customers to reschedule payments and avoid arrears wherever possible.

12. Section · 12

    Is my data safe?

    Yes. All applications are encrypted end-to-end and processed in accordance with UK GDPR.