Phone Finance With a CCJ
A CCJ doesn't block your application here. TrustPay is not credit-referenced, so past defaults, IVAs and CCJs simply aren't part of the decision.
Why Mobiles Bad Credit
- 0% APR TrustPay — never any interest
- No credit check, no hard search, no impact on your file
- Approved in under 60 seconds
- UK delivery within 10 working days
- Refused by EE, O2, Three, Vodafone? Still eligible here
How it works
- Click Apply Now and answer a few quick questions (name, address, DOB, bank).
- Get approved in seconds — no credit check, no hard search.
- Pick your handset — iPhone, Samsung, Google Pixel, OnePlus and more.
- Pay a small activation fee to lock in your plan.
- Confirm delivery — dispatch within 10 working days.
- Pay monthly with TrustPay at 0% APR.
Frequently asked
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.
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.
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.
How do repayments work?
Equal monthly amounts by Direct Debit over a 6–12 month term you choose at checkout. First payment is roughly one month after delivery. No balloon payments, no surprises.