Codex

FAQ Lore

Will you do a hard credit check?+

No. We start with a soft search that leaves zero footprint on your credit file. You can get a decision without impacting your score.

I have a CCJ / default / IVA. Can I still apply?+

Yes. We accept CCJs, defaults, discharged bankruptcy and IVAs. We look at affordability today, not just your history.

Do you accept Universal Credit or benefits?+

Yes. Universal Credit, PIP, ESA and other benefits count as income. Repayment dates can be aligned to your benefit calendar.

How fast is approval?+

Most decisions land in under 60 seconds. Full order-to-doorstep is typically 10 working days across the UK.

What is TrustPay 0% APR?+

Our headline finance product: interest-free repayments spread weekly or monthly, subject to status and affordability.

Can I bundle games and accessories?+

Yes. Every plan supports console + game + accessory bundles. Add controllers, headsets, chairs, monitors — one payment covers it all.

Is there a deposit?+

No-deposit options are available for eligible customers. Deposits can lower your weekly repayment if you prefer.

What happens if I miss a payment?+

Contact us first — we'll work with you to adjust the plan. Missed payments may be reported to credit reference agencies as per FCA rules.