| Catalogue | Best Option | Highlights | Start Shopping |
|---|---|---|---|
 | £1,200 Credit: From Tech Dreams to Reality
| 10 | Transform Your Tech Life - Get £1,200 Credit Now |
 | £500 Instant Credit: Your Shopping Freedom Awaits
| 10 | Start Your £500 Shopping Today |
 | £500 Tech Credit: Latest Gadgets, Weekly Payments
| 9.64 | Get Your £500 Tech Credit - Shop Premium Brands Now |
 | £650 Credit in Minutes: Shop Now, Pay Your Way
| 9.64 | Unlock £650 Credit in Just 3 Steps |
 | Free iPhone 15 + Unlimited Everything: No Credit Check
| 9.13 | Get Your Free iPhone 15 - Apply in 2 Minutes |
 | Guaranteed Phone Upgrade: No Credit Check Required
| 9.13 | Claim Your Guaranteed Phone Upgrade Today |
Find the right Monthly payment catalogue for you and aid in spreading the cost of purchasing into more manageable instalments.
Catalogues that include Credit
Looking for catalogues that accept poor credit? Bernard Rooke is known for recommending one of the highest acceptance rates in the UK for customers with bad credit scores. With an initial credit limit typically starting at £150-£300, they offer a pathway to rebuild your credit through responsible shopping.
Key features:
- High acceptance rate even with CCJs or defaults
- Quick online application with instant decision
- Initial credit limits from £150-£300
- Representative APR 39.9%
- Weekly or monthly payment options
- Wide range of fashion, home goods and electronics
- Free delivery on orders over £30
Before applying, remember to:
- Have a regular income
- Be registered to vote at your address
- Be at least 18 years old
- Consider if you can afford the repayments
- Check your credit report for any errors
Remember that responsible borrowing and making payments on time can help improve your credit score over time.
Are you being denied a mobile?
We can assist you in getting your hands on a SIM-free phone or even a smart phone even if you have a bad credit history. Find all the details in the Credit4everyone website. We can help you receive the credit you’re due!
Catalogue Responsible Lending
Your credit report can affect how much you are able to borrow. Catalogues Credit Limits are imposed on customers according to their specific credit checking criteria.
In the wake of strict lending guidelines, Catalogue companies are now legally bound to make sure they adhere to the guidelines for responsible lending on their online catalogue shopping.
So in the event that you manage your credit effectively elsewhere, you might be eligible to receive credit limit increases.
In contrast, in the event that you are stretched too thin and unable to make a minimum payment you might not be eligible for Credit Limit increments and could not be able to accept requests.
Certain Catalogue companies, including Next PLC, will put an end to your Credit Limit when they observe changes in your personal situation which could impact your ability to pay your debts and leave you with a bad credit rating.
UK Catalogue Reviews for Shoppers with Bad Credit
Each review covers:
- Advantages & disadvantages
- Brief company overview
- Credit terms & APR
- Payment options
- Delivery & returns
Zilch
Modern digital credit provider offering interest-free shopping with over 5,500 retailers. Initial £200 credit limit with 6-week interest-free period. Requires 25% upfront payment. Partners with major brands like AMAZON, ASOS, H&M, and JD.
Credit Terms: No traditional APR, revenue from merchant partnerships Payment Options: Split into 4 payments over 6 weeks Delivery & Returns: Varies by retailer Pros: Interest-free, quick approval, flexible payments Cons: Limited initial credit, requires partial upfront payment
Sunshine Mobile
Specialises in mobile phone contracts with no credit checks. Offers latest smartphones including iPhone and Samsung models.
Credit Terms: No credit check required Payment Options: Flexible payment plans after 12-week initial period Delivery & Returns: Phone delivered after 3 months of regular payments Pros: 100% acceptance rate, latest phones availableCons: Must complete initial payment period before receiving phone
Dial-a-TV
Established in 1991, specializing in electronics and home appliances through rent-to-buy arrangements.
Credit Terms: 4.5% APR representative Payment Options: Weekly or monthly rental payments Delivery & Returns:Includes repairs in rental cost Pros: Low APR, includes maintenance, no credit check Cons: Don’t own items until fully paid
Bon Prix
Online fashion retailer since 2005 offering women’s, men’s, and children’s clothing.
Credit Terms: 34.9% APR representative Payment Options: Full payment or monthly installments Delivery & Returns: Free next-day delivery for first orders Pros: Wide size range, regular discounts Cons: Higher APR than some competitors
Marisota
Specializes in plus-size women’s fashion and accessories.
Credit Terms: Variable APR Payment Options: Credit account with spread payments Delivery & Returns: Standard delivery service Pros: Extensive plus-size range, flexible payments Cons: Limited to women’s fashion
Freemans
Established in 1905, offering fashion, home goods, and electronics.
Credit Terms: 34.9% APR representative Payment Options: Pay now or spread over 12 months Delivery & Returns:Free delivery over £45, 28-day returns Pros: Extensive range, competitive APR Cons: Can be harder to get accepted with poor credit
Kaleidoscope
Fashion-focused catalogue with home and garden products.
Credit Terms: 34.9% APR representative Payment Options: Credit account available Delivery & Returns: Free delivery on first credit order Pros: Regular discounts, wide fashion range Cons: Mainly focused on women’s fashion
Curvissa
Specializes in plus-size women’s fashion with over 3,000 items in sizes 14-32.
Credit Terms: 34.9% APR representative Payment Options: Credit account with flexible payments Delivery & Returns: Free shipping on first order Pros: Extensive plus-size range, good size availability Cons: Limited to women’s fashion
Jacamo
Men’s fashion specialist, known for larger sizes and inclusive range.
Credit Terms: Variable APR Payment Options: Weekly, monthly, or flexible payments Delivery & Returns: 28-day return policy Pros: Extensive men’s range, inclusive sizing Cons: Limited to men’s fashion
Fashion World
Ten-year-established fashion retailer offering clothes and home goods.
Credit Terms: Variable APR Payment Options: Flexible payment plans Delivery & Returns: Next-day delivery available Pros: Regular promotions, good selection Cons: Credit approval can be strict
La Redoute
French fashion retailer established in 1922, offering clothing and home goods.
Credit Terms: Variable APR Payment Options: Flexible payment plans Delivery & Returns: Seasonal catalogues available Pros: French fashion style, wide range Cons: Can be expensive
Daxon
Established in 1947, specializing in fashion for the 50+ market.
Credit Terms: Variable APR Payment Options: Credit account available Delivery & Returns: Standard delivery service Pros: Specialized for mature fashion, good quality Cons: Higher prices, limited acceptance
Choice
Online department store offering fashion, home goods, and gifts.
Credit Terms: Variable APR Payment Options: Credit account with flexible payments Delivery & Returns: Free standard delivery Pros: Wide product range, free delivery Cons: Now merged with Littlewoods
John Lewis
Premium retailer offering quality fashion, home goods, and electronics.
Credit Terms: Variable APR Payment Options: Credit account available Delivery & Returns: Free standard delivery, 28-day returns Pros: Quality products, extended warranties Cons: Harder to get credit approved, higher prices
Additions Direct
Originally Argos Additions, offering clothing and home goods.
Credit Terms: Variable APR Payment Options: Flexible payment plans Delivery & Returns: Standard delivery servicePros: Wide product range, established brand Cons: Can be strict with credit approval
Argos
Major UK retailer offering electronics, home goods, and gifts.
Credit Terms: Variable APR Payment Options: Credit account available Delivery & Returns: Same-day collection available Pros: Extensive range, store collection option Cons: Stricter credit requirements
Betterware
Household products specialist focusing on kitchen, bathroom, and laundry items.
Credit Terms: Variable APR Payment Options: Direct payment options Delivery & Returns: Standard delivery servicePros: Unique household items, good prices Cons: Limited to household items
Boots
Established health and beauty retailer offering medicines, cosmetics, and electronics.
Credit Terms: Variable APR Payment Options: Advantage card points, credit account Delivery & Returns: Free delivery over £45, 28-day returns Pros: Trusted brand, loyalty scheme Cons: Strict credit requirements
Ambrose Wilson
Part of JD Williams group, offering fashion and home goods.
Credit Terms: Variable APR Payment Options: Credit account available Delivery & Returns: Regular delivery servicePros: Wide range, regular discounts Cons: Can be expensive
Simply Yours
Specializing in lingerie and swimwear for fuller figures.
Credit Terms: Variable APR Payment Options: Credit account with flexible payments Delivery & Returns: Standard delivery service Pros: Extensive size range, specialist fitting advice Cons: Limited to lingerie and swimwear
Simply Be
Plus-size fashion specialist offering trendy clothing and accessories.
Credit Terms: Variable APR Payment Options: Personal account with flexible payments Delivery & Returns: Regular delivery options Pros: Fashion-forward plus-size range Cons: Limited to plus-size fashion
Viva La Diva
Shoe specialist offering wide range of footwear and accessories.
Credit Terms: Variable APR Payment Options: Credit account available Delivery & Returns: Standard delivery service Pros: Extensive shoe range, size options Cons: Limited to footwear
Very
Part of Littlewoods Shop Direct Group, offering fashion, home goods, and electronics.
Credit Terms: Variable APR Payment Options: Flexible payment plans Delivery & Returns: Next day delivery £4, 28-day returns Pros: Extensive range, regular offers Cons: Can be strict with credit approval
Do you have other alternatives?
If you’ve got a poor credit score, getting catalogues for furniture, home furnishings and clothing, or electronic appliances above could be the only home-shopping catalogues that will accept you as a client until you can improve it. However, based on how bad your credit score is, you might be accepted by most popular brands for home shopping like Littlewoods as well as Very.
The majority of these companies use their own credit-checking guidelines, which means that if you’re rejected by one firm but it doesn’t mean that it won’t accept you by another. Each person’s individual circumstances are unique and, ultimately, it will be based on your personal credit score if you’re accepted or not.
My suggestion is to apply for financing with the “normal home-shopping catalogue businesses first. If you are still denied the only alternative is to try applying with catalogues specifically designed for people with bad credit. Although they may be a bit more expensive than others, you’ll almost always be approved.
Get Now and Pay Later Credit Check Catalogues Do they exist?
If you’ve been categorised as a credit-worthy customer and you have no credit check, catalogues could be the perfect way to access credit, however, they’re not actually available since the majority of catalogue businesses will have you pass an examination of credit prior to approving your account. This is to guard against fraud and to ensure you are able to pay your bills in time.
The reason for bad credit is because of a variety of causes, some of these are out of our control. However, this does not suggest that, as a consumer, you can’t buy anything with credit. If you’re suffering with bad credit, it’s possible to open a catalogue account, particularly by browsing through our catalogue of catalogues for those with bad credit we’ve included.
Do Catalogues Offer Instant Approval & Credit?
The majority of catalogues provide an immediate answer, so yes you can say yes, in a way. But, let’s take a look at the fundamentals first. For a person to be considered an applicant, they must be 18 years old or more. This is to make sure that the online shopping catalogues providing this service are only dealing with adults in the sense that is regulated by law, even when they don’t use credit reference agencies, they need to check this.
They are the ones who will be accountable in a court for any legal issues that arise during the duration of the contract. It also signifies that the person signing this contract has the ability to fully comprehend what they are committing themselves to.
In addition to the requirement of being over the age of 18, the applicant must also prove that they have an address that is registered as well as an income proof. Bad credit catalogues will approve applications even if you have a very bad credit rating as long as you can prove that you can schedule future payments.
This will satisfy the company issuing the loan that the applicant has the capacity of providing the financing. This is done to prove the previous relationships with credit and finance. Bank accounts are generally required for anyone to be able to access credit catalogues. The less strict catalogue firms will typically provide instant credit and immediate approval for these factors.
Pay Monthly Catalogues
After you’ve been accepted to sell a catalogue you will not have to pay for upfront costs as it’s an agreement based on finance. It is recommended that you honour the terms of your pledge as stated under a buy now pay later basis. It is important to remember it is a specialised option that was granted to you in spite of the fact that you’ve been listed as a fraud elsewhere.
This service is offered by companies who recognise that not all who get bad credit deserve it. However, there are some who find themselves in this situation because of reasons that were not their own or were in a situation where they were not able to repay their loans, and the banks were not able to recognise.
It is recommended to ensure that the customer pays the company that has given the credit happily!. This is only possible by prompt payments of what is due. With regular and timely payments, the client will not be penalised. This puts the customer on good standing with the company as well as improves your credit rating because the company will generally inform credit agencies like Experian whether you’re late in making your payments or are in good standing with your payments.
Even though no credit-check catalogues are available on the market, all one needs to do is select the most suitable catalogue that will accept bad credit , and then you can begin doing your shopping at the comfort of your home.
After you have found the top You must ensure that they do your role in improving your credit score.
Be aware that you’ll Be Having To Pay for It
When I say that you have to pay for it, I’m not referring to pulling open your credit card and typing the card’s number and expiry date. I’m referring to the fact that you’re likely to be paying higher for the products you choose to purchase in comparison to someone with good credit ratings.
There are some companies which offer catalogues for those with bad credit, they’re not charitable organisations. They’re there to earn money, and by accepting you as a risky client they charge higher rates to get the right. They are aware that you will have a limited number of choices and are able to increase their costs because they know you won’t be able to access other services. But , don’t be concerned that the businesses I’ve listed below aren’t so bad, however you’ll have to pay more to access them.
Catalogues for people with bad credit
If you’re seeking a pay-per-month credit catalogue typically, you’ll have to pass an examination of your credit score to get finance approval; however what happens if you have a poor credit score or no rating?
Credit account
The process of applying for a credit card to spread the cost of your purchases will require you to be approved by a credit screening and an affordability check to determine if you’re eligible. Different retailers refer to their finance offerings by different names. Credit accounts are usually described as spread account for cost’ or personal accounts.
The easiest one to obtain
There are numerous catalogue businesses available So which is the most straightforward to locate? There’s no one-size-fits-all answer because every catalogue retailer has their own set of criteria to determine whether you’re their ideal client. In the event that you’ve got a poor credit score, you could be denied financing by one catalogue but then approved by a different one.
Acceptance Guaranteed
There aren’t any bad credit catalogues that can guarantee acceptance. The people with poor credit have less credit options, and the most popular option for those with low credit scores is to search for financing with guaranteed approval. This isn’t offered in the home-shopping catalogue sector.
No credit checks
Like the guaranteed acceptance catalogues and without credit check catalogues don’t exist. When offering credit or financing the retailer will require customers to undergo a credit screening to be able to accept for financing. Be cautious if a business provides an online shopping catalogue that does not require credit checks.
Pay now and buy later
Some catalogues permit deferring the payment for a specific duration. This could be between 3 and 12 months, until you are required to pay back your purchases. Some credit catalogues are available for Buy Now Pay Later (BNPL) however those which do, are more difficult to accept when you have a bad credit history.