Q & A

Answers to the questions we hear most often at the news desk.

Q.Do you do a hard credit check?

A.No. We only run a soft search, which does not appear on your credit file to other lenders and does not affect your score.

Q.How quickly will I be approved?

A.Most applications get a decision in around 60 seconds. You'll see the outcome on-screen as soon as you submit.

Q.Do I need a guarantor?

A.No. TrustPay plans are written in your name only. There is no requirement for a homeowner, family member or friend to co-sign.

Q.Do I need a deposit?

A.No deposit and nothing upfront. Your first instalment lines up with your usual pay date.

Q.What if I'm on benefits?

A.Universal Credit, PIP, ESA and other UK benefits all count as income. Poor credit histories on benefits are welcome.

Q.What if I've been declined by O2, EE or Vodafone?

A.Being declined by the networks is very common on TrustPay applicants. Our lending criteria are different and built for poor credit.

Q.Is there any interest?

A.No. TrustPay is 0% APR — the cost of the phone is split evenly across your term with nothing added on top.

Q.How long does delivery take?

A.Free tracked UK delivery within 10 working days of approval.

Q.Can I cancel?

A.Yes, within the statutory 14-day cooling-off period. After that you can settle the plan early at any time without penalty.

Q.Can I get an iPhone or a Samsung flagship?

A.Yes — iPhone 15/16/17, Galaxy S24/S25, Pixel 9 Pro and other flagships are all available on TrustPay for poor credit.