The Classifieds
Every phone we approve, filed by category.
Mobile Phones for Poor Credit
Turned down elsewhere? Our TrustPay plan approves poor-credit applicants in around 60 seconds with a soft search only — no marks on your file, no guarantor, no deposit.
Mobile Phone "Loans" for Poor Credit
Technically it isn't a loan — it's a 0% APR TrustPay plan. You get the phone today and pay in fixed weekly or monthly instalments with nothing added on top.
New iPhone with Poor Credit
The latest iPhone, sealed in the box, spread over affordable payments — even if you've been declined by the networks. Soft search only, decision in 60 seconds.
New Samsung with Poor Credit
Samsung Galaxy S and A series in stock, brand-new and sealed, spread over 0% APR TrustPay instalments. Poor credit histories welcome.
Pay Weekly Mobile Phones
Small, predictable weekly payments instead of a big upfront cost. Choose your handset, choose your term, get approved in 60 seconds.
Mobile Phone No Guarantor Required
No family member, friend or homeowner needed to co-sign. Our TrustPay plan is written in your name only, with a soft search and a 60-second decision.
Mobile Phone No Deposit
Nothing to pay today. Your first instalment lines up with your usual pay date and the phone ships as soon as you're approved.
Contract Alternative for Poor Credit
Locked out of network contracts? TrustPay is the handset-only alternative. You keep your existing SIM and just spread the cost of the phone.
Phones with a Poor Credit History
Defaults, missed payments, CCJs settled? TrustPay looks at your situation today — not your worst month five years ago.
Phones When Declined Elsewhere
Being declined by O2, EE, Vodafone or Three doesn't mean the end of the road. Our TrustPay plan uses different criteria and specialises in customers other lenders won't touch.
Approved Today Despite Poor Credit
Apply in minutes and get a decision in around 60 seconds. Poor credit histories, benefits and low income are all considered.
Phones on Benefits (Poor Credit)
Universal Credit, PIP, ESA and other benefits count as income on your TrustPay application. Poor credit histories are welcome.
Phones for Pensioners with Poor Credit
State pension, private pension and Pension Credit all count as income. No upper age limit and no guarantor required.
First-Time Buyers Poor Credit
Thin file, no file, or a rocky start? First-time buyers are welcome. TrustPay looks at affordability today, not the length of your credit history.
Dual-SIM Phone Poor Credit
Two SIMs, one phone. Ideal for keeping work and personal numbers apart, or for pairing a UK SIM with a home-country plan.
Android Phones Poor Credit
The full Android line-up on 0% APR TrustPay — from Google Pixel to Samsung Galaxy S. Poor credit histories accepted.
Flagship Phones with Poor Credit
The top-tier handsets — iPhone Pro Max, Galaxy S Ultra, Pixel Pro — spread over affordable payments even with poor credit.
Budget Phone Poor Credit
Reliable, brand-new budget handsets on tiny weekly instalments. Perfect if you just need a phone that works and want to keep payments low.
Teen's First Phone Poor Credit
Set up a phone in your name for your teenager. Affordable weekly payments, parental controls compatible, and no guarantor needed.
Two Phones on One Plan (Poor Credit)
One application, one plan, two brand-new handsets. Popular with couples upgrading together or parents pairing a family phone.