Pay Monthly Catalogues

Pay monthly catalogues are a convenient way of shopping and spreading the cost. You can apply for an Instant decision, Instant credit, pay monthly catalogue today and if your application is successful you will have Instant access to the Credit limit you are offered.

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Pay monthly catalogues with Credit

Pay monthly catalogues are sometimes known as Mail order catalogues, Catalogues with credit or home shopping catalogue accounts.

Catalogue credit is a way of buying goods and spreading the cost, You can do this Online, over the telephone or by Post.

Payments can be spread and paid in weekly or monthly instalments.

Every month your catalogue company will send you a Statement. If you manage your Catalogue account well by maintaining your monthly repayments on time, You could qualify for a Catalogue Credit Limit Increase – This could also help improve your credit rating!

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Your Guide to Pay monthly catalogues

home shopping pay monthly catalogue with credit

Our Pay monthly catalogue guides are a great resource for anyone who isn’t too sure how Mail order Home Shopping Catalogues work.

Step by Step, Our Pay monthly Catalogue guides will walk you through everything you need to know about Home Shopping accounts. From Choosing a Pay Monthly Catalogue to Applying for a Catalogue, We also offers tips for getting the most out of your Pay monthly catalogue account.

Find your perfect Mail order Catalogue

Our Pay monthly catalogue guides can help you understand the different Catalogue available. We can help you find the perfect mail order Catalogue easily.

Apply for a pay monthly catalogue with credit

Ready to Apply for a Catalogue? Our Guides will tell you what you need and how the Catalogue application process works.

How to Run and Manage your Mail order Catalogue

Once you have opened your pay monthly catalogue Our easy to understand Home Shopping Catalogue guide will help you get the most from your Catalogue.

We can help you understand your Catalogue Statement, We can help show you how to place further Orders and even help you understand how Catalogue credit limits work and how you can improve your chances of getting a Credit limit increase.

Our handy pay monthly catalogue guides are split into different sections to help you find what you need instantly.

Apply Now for a pay monthly cataloguecatalogues with creditInstant decision, Instant Credit pay monthly catalogues

If your application for a pay monthly catalogue is successful you will have instant access to your catalogue credit.

  • Pay Monthly Catalogues with Instant Credit

Pay Monthly Catalogue Guides - How to choose and apply for a pay monthly catalogue

Your Guide to Choosing and Applying for a pay monthly catalogue

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What is Catalogue Credit? We explain

Catalogue credit is a form credit offered when buying goods online with selected retailers.

Payments can be spread over monthly or weekly terms to suit your needs

You can place orders over the telephone, online or by post using a Catalogue or the Catalogues website.

Catalogue credit is available to UK residents aged 18+ and is sometimes referred to as a “Shopping account” or a “Mail order catalogue”

There are several catalogues available in the UK from a range of Catalogue companies.

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How Pay monthly catalogue credit works

If you want to spread the cost you will need to complete a short application and apply for a Credit account with your Catalogue. If your application is Successful, You will be offered a Credit limit – You can then spend up to your Catalogues credit limit instantly without any upfront payments.

If your application is Unsuccessful you can pay using a Credit or Debit Card. ,

As soon as your Pay Monthly Catalogue is opened you will be able to place orders as and when you choose up to your Catalogues credit limit. Pay monthly catalogues can also be good for your Credit ratingfind out how they can have a positive effect here.

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What to think about before opening a Catalogue account

Catalogue accounts are a form of credit which needs some careful thought.

There are advantages and disadvantages to opening a catalogue account.

Advantages to a Pay monthly catalogue

  • Interest Free periods means you can save money
  • Catalogues can help rebuild or build your Credit rating
  • Spreading the cost with a Catalogue can be cheaper than using Pay Day Loan companies for example
  • Next day and same day delivery on items you need

Disadvantages to a pay monthly catalogue

  • Missing a payment can affect your credit rating in the same way as other forms of credit (like Credit Cards and Loans)
  • Items can be more expensive, especially when paying only the minimum repayment each month
  • Interest rates can be higher than other forms of credit like 0% credit cards.

Although Pay monthly catalogues are not the cheapest form of Credit they are not the most expensive either. Compared to Pay Day loans for example a Pay monthly catalogue could work out cheaper.

If you only make the minimum repayment with your Catalogue company you will be charged interest and it can take a lot longer to clear the balance.

Always try and pay more than the minimum repayment.

Rebuilding your credit rating

Used correctly a pay monthly catalogue can be a great tool in building or rebuilding your credit rating, stay within your credit limit and make all of your repayments on time.

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Catalogue payment terms explained

There are a range of payment options offered by Pay monthly catalogue companies. You should always choose the payment option that suits your financial needs and ensure you understand how the different payment options work before you choose it.

Pay No interest when you clear your balance in full each month

If you clear your balance in full each month when your statement arrives you won’t be charged any interest. If you have a balance remaining interest will be applied to your catalogue’s account.

Pay Monthly

The most popular option for Catalogue Customers is the Pay Monthly Option. Each month you will receive a Statement from your Catalogue company detailing how much you owe and what your minimum repayment is.

You must pay at least the minimum repayment shown on the Catalogue Statement, but you are free to pay more, including clearing the debt in full.

If you only make the minimum repayment it will take longer to clear the debt and will cost you more in the long term.

Buy Now Pay Later

A way to buy items from your Catalogue interest free for a period of up to 12 months, with no upfront or monthly repayments required. Just be sure to clear the entire balance before the buy now pay later date, otherwise interest will be applied and back dated to the date of your order, this is known as deferred interest.

Interest free periods

Some catalogue companies will offer an Interest free period, you can usually spread the cost into 3 payments, without any interest. Very and Studio catalogues offer such payment options, Very call it TAKE 3 and Studio call it interest Saver.

You should check and read the terms and conditions of all the payment options offered on your Mail order pay monthly catalogues page for full details.

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How to choose the perfect pay monthly catalogue for you

With So much choice when it comes to Pay monthly Catalogues it can be hard to decide which catalogue is most suitable for you.

You will need to consider what items you wish to order now and in the future.

If you are into the latest fashion then a Fashion pay monthly catalogue is likely to be a great choice for you.

Finding your perfect pay monthly catalogue

If for example you are wanting the latest styles and fashion then a Fashion catalogue is likely to be great for you.

If being able to spread the cost without paying interest is important to you then a buy now pay later pay monthly catalogue could be for you.

You may also like to consider a more traditional all rounder pay monthly catalogue like the Freeman’s, Very or Studio catalogue.

If you can’t decide, we can help

If you can’t decide then read on, this page is packed with information to help you find the perfect pay monthly catalogue.

You can take a look at the range of pay monthly catalogues available by clicking here.

We have also created a section to show you which pay monthly catalogue is more suitable for each category here.

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How to apply for a pay monthly catalogue

Before you apply for a pay monthly catalogue you need to be a UK resident aged 18+. To apply for a Catalogue you will need to complete a short application form, you will be required to disclose your Name, Address, Date Of Birth, Employment Status and a contact telephone number.

Catalogue Application

Catalogue applications are quick and easy and once you have completed the short application for and pressed the submit button your Catalogue company will run some background checks instantly.

They will carry out several checks in real time whilst you wait, these include Credit Checking your application, Checking to see if further credit is affordable to you, Credit Scoring your application, checking your identity online and possibly checking the databases of fraud registers.

Catalogue Credit Checks

Your Pay monthly catalogue will run a credit check at one or more of the UK credit reference agencies, these will either be Experian, Equifax or Trans Union (previously called Call Credit)

The Credit check will share details on your Credit history for the previous six years, including, how many times you have applied for credit, how you have run your credit and if you have missed any repayments or broken any credit agreements (Defaults).

If you wish to see which Credit reference agency each Catalogue company will use to check your Credit Report you can do so by clicking here.

Pay Monthly Catalogue Guides - Running your Catalogue Account

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Catalogue payment options explained

Once your account is opened, you can place orders, You can choose to repay your Catalogue whichever way suits you, some of the payment options available may include;

Pay Monthly

The most popular option for Catalogue Customers is the Pay Monthly Option, Each month you will receive a Statement from your Catalogue company detailing how much you owe and what your minimum repayment is. You can pay the minimum repayment or more, the choice is yours. Remember, if you only make the minimum repayment it will take longer to clear the debt and will cost you more in the long term.

Buy Now Pay Later

Buy Now Pay Later is a popular choice when running a Pay monthly Catalogue. It offers an Interest free period where no repayments are due for a set period of time, this can range from 3 months up to a year. Interest will be backdated and applied if you don’t clear the balance in full before the buy now pay later date.

Interest Free Periods

Some Catalogue companies offer Interest Free periods, these still require repayments each month but can save money on interest.

Pay in full

If you pay your Catalogue in full by the due date you will not be charged interest on your next Catalogue statement.

Open your Pay Monthly Catalogue today

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Try before you buy with your pay monthly catalogue

Items you order from your Catalogue are usually sent to you on a “Home Approval Basis” This means that if you are not happy with part or all of the order you can arrange to have the items returned.

There are some items that may be excluded. (details below)

How to return items

Inside your Catalogue order will be a Returns Advice Slip, Just complete this form and follow the instructions on this slip to arrange the return of your order.

Items you can’t return to your pay monthly catalogue

There are a few exceptions that you should be aware of. Some items cannot be return because of  Copyright laws and some  items  cannot be returned for Hygiene reasons.

This usually includes

  • Underwear
  • Lingerie
  • Computers
  • Mobile Phones
  • Software

Those items that are excluded from Home Approval are always clearly displayed at the time of your order. 

Your statutory rights are not affected

Open your Pay Monthly Catalogue today

Your guide to Catalogue credit limits

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Catalogue Credit Limits – Everything you need to know

When you apply for a pay monthly catalogue and your application for a credit account is successful you will be offered a Credit limit..

Your catalogues credit limit is the most you can owe your Catalogue company at any time.

Catalogues credit limits are variable.

If you try to place an order from your Catalogue which is higher than the account credit limit, you will be asked to pay the difference using a debit or credit card or your order may be declined.

As we said, Your Catalogue credit limit is Variable, Which means your Catalogue company can increase or reduce the credit limit at any time.

You can also manage your Credit limit.

You can ask your Catalogue company to reduce the credit limit or not to consider you for Credit limit increases if you want. Contact your Catalogue company to do this.

You may also be able to apply to your Catalogue company for a Credit limit increase.

Catalogue companies will offer a sensible credit limit based upon your account performance and taking into consideration a number of factors, like how much you owe elsewhere.

Catalogue credit limits are usually reviewed every 3 to 6 months and by keeping within your credit limit as well as paying on time You will increase your chances of being offered credit limit increases.

It can take up to 6 months to become eligible for a credit limit increase.

Using your Catalogue from time to time will improve your chances of getting a credit limit increase.

Why hasn’t my Catalogue credit limit been increased?

A number of factors are considered before a catalogue company will increase your credit limit, these include

  • Looking at how you manager Credit elsewhere
  • How much debt you have elsewhere
  • How many times you are applying for credit elsewhere
  • Your Income will be considered against any other commitments you have

To improve your chances of being offered credit limit increases with your catalogue make sure you don’t take on too much debt elsewhere or apply or lot’s of new credit.

Some Pay monthly catalogues will receive a feed monthly from the Credit reference agencies, this allows them to see if you are keeping up with repayments and how you are doing financially.

Your Credit Feed

Some Catalogue companies like Next for example will use the Credit Feed to set your Credit limit. This means your Credit limit can be increased, reduced or even suspended for a period if you appear to be borrowing more or not keeping up with your repayments.

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How to increase your eligibility for Catalogue credit limit increases.

New Responsible lending criteria requires Catalogue companies to review a range of data before just applying credit limit increases.

Catalogue companies should now contact you and either inform you that you can have a credit limit increase or offer you a limit increase rather than just applying it to your account.

You should also have the option to OPT OUT of credit limit increases at any time.

If you are not being offered Credit limit increases with your Catalogue company it may well be worth logging into your Account area to see if you have asked to be considered for Credit limit increases.

How often do Catalogue companies increase credit limits?

Each Catalogue company is different. Some Catalogue companies will allow customers to request a credit limit increase.

In our own experience, Our credit limits were reviewed at different times some Catalogue companies as followed.

JD WILLIAMS Catalogues

Catalogues from the JD Williams Group increases limits when you become eligible, they don’t take requests, Most customers will see an increase after making 3 payments on time. Credit limits with JD Williams can increase to £3000+

OTTO Group Catalogues (Look Again, Freemans, Witt International)

Catalogues from the OTTO group review credit limits every 6 months, they offer sensible increases should you become eligible, you can call and ask for them to consider you for an increase.

Express Gifts Catalogues (Studio and Ace)

Catalogues from Express gifts, We haven’t had or been offered a credit limit increase, reading online, others speak of .very small in-frequent increases.

Shop Direct Catalogues (Very and Littlewoods)

Catalogues from Shop Direct (Littlewoods and Very) It looks to us like they will review credit limits every 6 months, increases can be pretty large. You can apply for a limit increase inside your account facility.

Next Pay (Next Directory)

Next review credit limits every few months, limits can be increased or reduced or even suspended depending on information they receive from the Credit reference agencies.

Can I refuse a Catalogue credit limit increase?

You can ask to reduce your Credit limit at any time, You can also ask not to be considered to further Credit limit increases, You are also within your rights to refuse a Credit limit increase being offered, to do this, contact your Catalogue company and ask them.

Catalogues will show on your Credit report as “Mail Order Accounts” Which are know as Revolving credit. This shows other lenders who search your Credit report that you can manage a Credit account with a variable Credit facility.

Having a higher credit limit is good for Credit utilization which could help improve your credit rating.

Catalogues for people with bad credit

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Catalogues for Bad Credit

If you have a bad credit rating and want to enjoy the benefits of a Mail order pay monthly catalogue then a Bad Credit Catalogue could be suited to you.

Pay monthly catalogues are notoriously popular for people looking to build or rebuild their credit rating as they are usually easy to be accepted for than credit cards.

Catalogue companies that accept bad Credit

All of the mainstream catalogues accept their fair share of customers with previous credit problems. So if you haven’t yet tried an application with a main stream catalogue company like Studio or look Again, you could give it a try,

If a main stream Catalogue company does reject your application then you could consider Applying for one of our Bad Credit mail order catalogues.

Bad credit is usually down to a combination of factors, but usually include Missing Credit Repayments, Making too many application for Credit in a short period of time, Paying your Bills late, Defaulting on Credit Agreements or having County Court Judgements registered against you for non payments.

Bad Credit catalogues usually work the same as traditional catalogues, The only exception being they are a lot easier to get accepted for. Some of our Bad Credit Catalogue companies guarantee approval without the need for a Credit check.

Appealing a Declined Catalogue application

If you have made an application for a pay monthly catalogue in the past month and it has been rejected you could still try and have that decision over turned. 

Most applications for Credit which are declined are because of a Scoring method called Credit Scoring and most of the time this decision is made automatically in the background.

Appealing the decision will mean that a Credit underwriter will look at your application. It does have some success and it could be worth the cost of a stamp in trying. 

It is always worth checking your Credit report from time to time. 

Credit scoring has been used for many years on a range of financial products like Bank accounts, Credit Cards and Personal Loans. 

Credit Scoring has great success in predicting wherever a customer is going to be a good or bad risk for the Catalogue company. 

If you feel your application decision is wrong you can appeal the decision, full details on making an appeal and the grounds for doing so are here.

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No Credit Check catalogues

If you can’t pass a credit check with a mainstream catalogue then you may like to consider one of our No credit check, Guaranteed pay monthly catalogues. (Click here to view our bad credit and no credit check pay monthly catalogues)

Apply for a no credit check pay monthly catalogue

The step Card- Guaranteed acceptance bad credit catalogue – Apply today and start rebuilding your credit rating.

Savvy Benefit Catalogue – Guaranteed Acceptance, No Credit Check,

When you become a Savvy Benefits member, you get access to some amazing products available at our store. A £2,500 credit line* Apply Here

The Yes Catalogue – Very High Approvals and do accept customers with CCJ’s and Defaults Apply here

Deluxe Gold Card Catalogue – Again, very high approvals and accepts CCJ’s Defaults and even customers with a discharged bankruptcy Apply here

Choice Freedom Catalogue – Guaranteed £500 Credit Limit for those accepted, accepts customers with very poor credit ratings – Easy Application Apply here.

If your application for a pay monthly catalogue has been unsuccessful then it’s likely to be down to Credit Scoring. Catalogue companies use Credit scoring to decide whether or not to open a Credit account for you. Credit Scoring does vary from Catalogue to Catalogue.

Credit Scoring

When you complete the application you will be asked some questions, these answers along with information the credit reference agency supply the Catalogue at the time of your application will help decide if your application is successful or not.

Your income, Employment status, Accommodation Status and Your Age  will be used to help score your application. If you have had  any past dealings with the Catalogue company this may also influence the decision.  Credit Scoring changes on a regular basis.  It’s main aim is to predict customers behaviour, spending habits and how likely you are to make the monthly repayments on time. 

Spread the Cost

Catalogues offer Instant Spending...

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No Credit Check catalogues – Guaranteed Acceptance Pay monthly catalogues

If your application for a pay monthly catalogue has been unsuccessful then it’s likely to be down to Credit Scoring.

Catalogue companies use Credit scoring to decide whether or not to open a Credit account for you.

Credit Scoring will vary from Catalogue to Catalogue.

Credit Scoring

When you complete the application you will be asked some questions, these answers along with information the credit reference agency supply the Catalogue at the time of your application will help decide if your application is successful or not.

Credit Scoring is used to hep the catalogue company predict how you will run your Catalogue account and how likely it is that you will be able to afford the repayments and what risk you are in terms of defaulting on your repayments.

Why your income and employment status are important

Your income, Employment status, Accommodation Status, Your Age and how many applications for credit you have made in the past year will be used to help them score your application. 

This and how you manage your Financial agreements now and in the past 6 years will all be considered when making that final decision.  

If you have had  any past dealings with the Catalogue company this may also influence the decision.  

Credit Scoring does change on a regular basis. 

It’s main aim is to predict customers behaviour, spending habits and how likely they are to make the monthly repayments on time. 

My catalogue application has been declined.

If your application for a pay monthly catalogue is unsuccessful it is always worth checking your Credit report. 

Credit scoring has been used for many years on a range of financial products like Bank accounts, Credit Cards and Personal Loans.

Credit Scoring has great success in predicting wherever a customer is going to be a good or bad risk for the Catalogue company. 

If you feel your application decision is wrong you can appeal the decision, full details on making an appeal and the grounds for doing so are here.

Apply for a no credit check pay monthly catalogue

The step Card- Guaranteed acceptance bad credit catalogue – Apply today and start rebuilding your credit rating.

Savvy Benefit Catalogue – Guaranteed Acceptance, No Credit Check,

When you become a Savvy Benefits member, you get access to some amazing products available at our store. A £2,500 credit line* Apply Here

The Yes Catalogue – Very High Approvals and do accept customers with CCJ’s and Defaults Apply here

Deluxe Gold Card Catalogue – Again, very high approvals and accepts CCJ’s Defaults and even customers with a discharged bankruptcy Apply here

Choice Freedom Catalogue – Guaranteed £500 Credit Limit for those accepted, accepts customers with very poor credit ratings – Easy Application Apply here.

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Understanding your pay monthly catalogue Statement

Once you have placed and received your first order from your Catalogue You will be given a short period of time to make sure you are happy with your purchase, This is called the Home Approval stage.

Inside each order you place with your pay monthly catalogue will be an advice slip. You can use the slip to return any items you are not happy with.

Pay monthly catalogue orders are usually sent on a Home approval basis. Some items will be excluded for Hygiene reasons or for Copyright reasons, however these will be clearly displayed at the time of your order.

If you are happy with your items you can sit back and relax.

Your first Catalogue statement will usually be produced within 28 days of you opening your Catalogue account.

Your Pay monthly catalogue statement will list the orders you have placed, the payments you have made and details about your credit limit. You will also see the minimum payment and the date you must make your payment by.

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How pay monthly catalogue credit limits work and how to get Catalogue Credit Limit Increases

Your pay monthly catalogue credit limit is set when you open your Catalogue account. It may be increased from time to time. Your catalogues credit limit is the most you can owe your pay monthly catalogue at any time.

If you try to place an order from your Catalogue which is higher than the account credit limit, you will be asked to pay the difference using a debit or credit card.

When will my catalogue increase my credit limit

Catalogue credit limits are reviewed frequently so by maintaining your repayments on time you will increase your chances of a credit limit increase.

Use your Catalogue credit limit as often as you like

You can place Catalogue orders anytime you choose as long as you remain with the Catalogues credit limit.

How often do Catalogue companies review credit limits?

Every Catalogue is different. It should also be said that every customers circumstances are different. This means that Credit limit increases will vary from Catalogue company and by customers personal circumstances.

Most catalogue companies will review a customers credit limit every couple of months, it can take up to 6 months to start becoming eligible for a credit limit increase. Some Catalogue companies will increase limits once they see the fist repayment.

Using your catalogue can help improve your chances of a credit limit increase

Placing regular orders and making your repayments on time will improve your chances of receiving credit limit increases with your catalogue. Increased credit limits offer more spending power and can help improve your credit rating.

Can I request higher credit limits with my Catalogue company?

Each pay monthly catalogue is different and will have different requirements. For example, the JD Williams group do not allow credit limit increase requests, they will tell you that if you become eligible for a credit limit increase they will notify you.

The Freemans and Look Again catalogues do review credit limits frequently, Usually every 3-4 months , they can also consider requests if you call them.

Very and Littlewoods both offer a link inside the management area to request a higher credit limit, Usually you need to be a customer for a few months before they will consider a a request to increase a credit limit.

Studio / Ace catalogue also review credit limits manually every few months, they will notify you if you become eligible for an increase.

Can I refuse a Catalogue credit limit increase?

You can reduce your Credit limit at any time or refuse an increase being offered, simply contact your Catalogue comany to do this.

Why is my Catalogue not increasing my credit limit

A number of factors are considered before a catalogue company will increase your credit limit, including how much debt you have elsewhere. How you are managing your finances elsewhere and your personal circumstances.

Some customers receive lot’s of credit limit increases and some customers don’t receive any credit limit increases.

To improve your chances of receiving catalogue credit limit increase offers,  make sure you are not taking on too much debt elsewhere, keep up with your repayments with the Catalogue and elsewhere and try not to apply for too much credit.

Are you keeping up with your repayments elsewhere?

Some Catalogue companies like Next for example will receive a feed from the Credit reference agencies, So if you are not keeping up with your repayments elsewhere or are taking on too much credit they may suspend your credit facility.

It’s unusual for a catalogue company to reduce credit limits although it can happen, Often if you are struggling to maintain your repayments elsewhere for example. Remember, credit limits can be increased or decreased

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Catalogue Warranties – Peace of mind

If you want the added peace of mind you can add extended warranties to a range of items you order from your home shopping credit catalogue.

Extended warranties can cover High end electrical products, Gadgets and Furniture. 

Sometimes you can even include accidental damage to the policy.

It’s always worth checking your home insurance protection too, sometimes, your home insurance policy may already protect you from accidental damage for example.

Buying an extended warranty can bring you peace if mind should an item breakdown.

Peace of mind

In the event an item is covered does develops a fault you will be covered for the repair and labour involved. 

In the event the item cannot be repaired your item will be replaced on a like for like replacement.

Extended warranties usually offer unlimited call outs, parts, labour and repairs. 

Just be sure to check the policy you are buying and ensure you understand what it will cover.

Open your Pay Monthly Catalogue today

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How to place an order with your CatalogueHow to place an order

When you are ready to open a pay monthly catalogue you will simply need to add items to your basket and then checkout.

If you are already a customer you can choose to Login, otherwise you will need to register as a new customer with the Catalogue company.

You can then select how you wish to pay, either by using a credit or debit card or by choosing to open a Personal Credit account.

Ordering Large items from your Catalogue

Whilst most goods you order from your catalogue will arrive in a day or two, larger items especially furniture and white goods such as Cookers will take longer.

You should also be aware that a Courier will usually need to arrange a time thats suitable for you.

your catalogue company will usually provide the courier company with your mobile number or they will send you an email to offer you some suitable time frames.Pay monthly catalogues with next day delivery

Next day deliveries transformed the ways we shop online. Catalogue companies now offer Next day delivery on a large range of the items they sell.

A small additional premium delivery charge will be applied if you choose next day delivery. Next day delivery is especially useful when you need an items in a hurry.  If you use Next day delivery often or plan to use it more, you should check to see if your Catalogue company offer a Next day delivery subscription plan. 

Some Pay monthly catalogues now offer an Unlimited Next day delivery service for a fixed annual price,

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What is Catalogue Credit

credit 4 everyone, catalogues pay monthly, bad credit, no credit check mobiles, bad credit loans, bad credit car financeCatalogue credit is a form credit offered when buying goods online with selected retailers. Payments can be spread over monthly or weekly terms.

You can place orders over the telephone, online or by post using a Catalogue or the Catalogues website.

Catalogue credit is available to UK residents aged 18+ and is sometimes referred to as a “Shopping account” or a “Mail order catalogue”

There are several catalogues available in the UK from a range of Catalogue companies.

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Catalogue companies that offer pay monthly credit terms in the UK

Home Shopping Catalogues with creditThe companies in this list offer Mail order catalogues offering the chance to pay monthly or weekly.

Red Cats have 2 Catalogue offerings;

  • Laredoute
  • Vertbaudet

Express Gifts also offer catalogues which offer Catalogue credit

  • Ace Catalogue
  • Studio Catalogue

N Brown sometimes referred to as Candid Collection offer a variety of catalogues that offer customers the chance to spread the cost and pay monthly, these include

  • Jd Williams Catalogue
  • Fashion World catalogue
  • Jacamo Catalogue
  • Simply BE catalogue
  • Home Essentials Catalogue
  • Premier Man Catalogue

The Otto group offers a variety of pay monthly catalogues, all of these Catalogues offer Credit terms for those wishing to spread the cost and pay monthly.

  • Kaleidoscope Catalogoue
  • Freemans Catalogue
  • Look Again Catalogue
  • Swimwear365 Catalogue
  • Grattan Catalogue
  • Curvissa Catalogue

Shop Direct offer two Catalogues which offer credit for customers looking to pay monthly, weekly or using buy now pay later.

  • Littlewoods Catalogue
  • Very Catalogue

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How Pay monthly catalogue credit works

credit catalogueYou can place an order with a catalogue at any time using your Credit or Debit Card.

If you wish to spread the cost you can apply for a. Credit account.

If you choose the Credit facility you will need to complete a short application form, you can find out more about the application here.

If your application is Successful, You will be offered a Credit limit – You can then spend up to your Catalogues credit limit instantly without any upfront payments.

If your order value is higher than the Credit limit offered, you can pay the difference using a Credit or Debit Card.

Payment terms will vary depending on the Catalogue you choose, but interest is usually applied from the date of your order unless you choose a Buy now pay later Catalogue credit term.

Your Catalogues Credit Limit is available when you need it.

As soon as your Pay Monthly Catalogue is opened you will be able to place orders as and when you choose up to your Catalogues credit limit. Pay monthly catalogues can also be good for your Credit ratingfind out how they can have a positive effect here.

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Catalogue payment terms explained

catalogue payment option - interest saverThere are a range of payment options offered by Pay monthly catalogue companies.

You should always read the different options clearly so you are sure you understand how it works.

If you clear your balance in full each month when your statement arrives you won’t be charged any interest. If you have a balance remaining interest will be applied to your catalogue’s account.

The different type of Catalogue credit terms are shown below.

Pay Monthly

The most popular option for Catalogue Customers is the Pay Monthly Option.

Each month you will receive a Statement from your Catalogue company detailing how much you owe and what your minimum repayment is.

You must pay at least the minimum repayment shown on the Catalogue Statement, but you are free to pay more, including clearing the debt in full.

If you only make the minimum repayment it will take longer to clear the debt and will cost you more in the long term.

Buy Now Pay Later

Buy Now Pay Later is a popular choice when running a Pay monthly Catalogue.

It offers an Interest free period usually between 3 and 12 months. During this period, no repayments are required and no interest will be added.

If you clear the entire balance owed before the Buy Now Pay Later period ends you won’t pay any interest.

If at the end of the buy now pay later period you still have an outstanding balance Interest will be Charged and back dated to the date of your order, this will increase the amount you owe, this is called Deferred interest.

Interest Free Periods

Some Catalogue companies offer Interest Free periods.

You are still required to make monthly repayments to your Catalogue but as long as you make the required payment shown on your statement each month you will not be charged any interest.

Paying in full

If you pay your Catalogue in full by the due date you will not be charged interest on your next Catalogue statement.

Open your Pay Monthly Catalogue today

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What to think about before opening a Catalogue account

mail order pay monthly catalogue newsCatalogue accounts are a form of credit which needs some careful thought.

There are advantages and disadvantages to opening a catalogue account.

PROS:
  • Interest Free periods means you can save money
  • Catalogues can help rebuild or build your Credit rating
  • Spreading the cost with a Catalogue can be cheaper than using Pay Day Loan companies for example
  • Next day and same day delivery on items you need

CONS:
  • Missing a payment can affect your credit rating in the same way as other forms of credit (like Credit Cards and Loans)
  • Items can be more expensive, especially when paying only the minimum repayment each month
  • Interest rates can be higher than other forms of credit like 0% credit cards.

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Choosing a pay monthly catalogue

choosing a pay monthly catalogueWith So much choice when it comes to Pay monthly Catalogues it can be hard to decide which catalogue is most suitable for you.

You will need to consider what items you wish to order now and in the future.

If you are into the latest fashion then a Fashion pay monthly catalogue is likely to be a great choice for you.

Finding your perfect pay monthly catalogue

If for example you are wanting the latest styles and fashion then a Fashion catalogue is likely to be great for you.

If being able to spread the cost without paying interest is important to you then a buy now pay later pay monthly catalogue could be for you.

You may also like to consider a more traditional all rounder pay monthly catalogue like the Freeman’s, Very or Studio catalogue.

If you can’t decide, we can help

If you can’t decide then read on, this page is packed with information to help you find the perfect pay monthly catalogue.

You can take a look at the range of pay monthly catalogues available by clicking here.

We have also created a section to show you which pay monthly catalogue is more suitable for each category here.

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Try before you buy with your pay monthly catalogue

Items you order from your Catalogue are usually sent to you on a “Home Approval Basis”

This means that if you are not happy with part or all of the order you can arrange to have the items returned. There are very few items that are excluded.

Inside your Catalogue order will be a Returns Advice Slip,

Just complete this form and follow the instructions on this slip to arrange the return of your order.

Items you can’t return to your pay monthly catalogue

There are a few exceptions that you should be aware of. Some items cannot be return because of  Copyright laws and some  items  cannot be returned for Hygiene reasons.

Those items that are excluded from Home Approval are always clearly displayed at the time of your order. 

Your statutory rights are not affected

Open your Pay Monthly Catalogue today

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How to apply for a pay monthly catalogue

applying for a pay monthly catalogueBefore you apply for a pay monthly catalogue you need to be a UK resident aged 18+. To apply for a Catalogue you will need to complete a short application form, you will be required to disclose your Name, Address, Date Of Birth, Employment Status and a contact telephone number.

The Application

Catalogue applications are quick and easy and once you have completed the short application for and pressed the submit button your Catalogue company will run some background checks instantly.

Catalogue Credit Checks

If you apply for a Mainstream Catalogue your application is going to be subject to you passing Identity, Affordability Checks, Credit Checks and possibly fraud checks.

Credit Checks

Your Pay monthly catalogue will run a credit check at one or more of the UK credit reference agencies, these will either be Experian, Equifax or Call Credit.

If you wish to see which Credit reference agency each Catalogue company will use to check your Credit Report you can do so by clicking here.

Your Credit check will inform the Catalogue company how you have run Credit in the last six years, how many times you have applied for credit and if you have any serious credit problems such as Defaults and County Court Judgements against you.

Identity checks

To confirm you are who you say your are the Pay monthly catalogue company will complete some identity checks in the background at the time of your application. These are nothing to worry about, Customers who are not on the Electoral register may not pass these checks and may be asked to submit some additional de. Occasionally, customers who cannot pass Identity checks may be rejected for credit. Get registered by contacting your local council.

Affrodability checks

Under new responsible lending laws all pay monthly catalogue companies must carry out affordability checks as part of the application stage. Your  employment status, income and current debt levels will be used to access the  affordability of running a pay monthly catalogue.

Other checks may include checking fraud registers and any previous history you have within the Catalogues group.

Your instant decision pay monthly catalogue decision

All of these checks will be done automatically when you apply and take seconds to complete.

If your application for a Credit Catalogue is successful, the Catalogue company will inform you about your Credit Limit and the APR (The Interest rate) on your account.

You will be asked to set a password so you can login and manage your pay monthly catalogue account online.

You can then checkout using the Pay monthly catalogue credit facility.

Open your Pay Monthly Catalogue today

Credit Scoring policies change often. This means that if you are declined by one Catalogue company You could still be approved for a Catalogue by a different company.

It’s impossible for us to tell you which Catalogue is the best for you to personally apply for – That’s why Credit4everyone have launched the Uk’s first Catalogue Eligibility Checker.

how it works

Simply enter your details and our clever system will score your Catalogue application and will match the Catalogues you are more likely to be approved for.

We will search through our directory of  Pay Monthly Catalogues and try and match your credit rating to the Credit catalogues. The best part – Using our Catalogue Eligibility Checker will not affect your Credit Rating,

Catalogue Eligibility Checker

Credit4everyone is the first company in the World to offer a Catalogue Eligibility checker. give it a try today.

Try our Catalogue Eligibility Checker today

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Spread the cost with a pay monthly cataloguespread the cost with a pay monthly catalogueHow Catalogue Credit Works

Pay monthly catalogue credit is a form of credit offered by Catalogue companies which offers you the chance to spread the cost of purchases. When you apply for a pay monthly catalogue your application for credit will be assessed.  If your application is Successful, You will be offered a Credit limit,.

You can spend up to your Catalogues credit limit instantly without any upfront payments. If your order value is higher than the Credit limit offered, you can pay the difference using a Credit or Debit Card.

If your first order is lower than your Credit limit offered by your Catalogue you can place the order without any upfront payments. You can choose how you wish to repay your Catalogue, You can choose to repay later with Buy Now Pay Later or you can pay back in easy affordable monthly repayments.

Your Catalogues Credit Limit is available when you need it.

As soon as your Pay Monthly Catalogue is opened you will be able to place orders as and when you choose up to your Catalogues credit limit. Pay monthly catalogues can also be good for your Credit ratingfind out how they can have a positive effect here.

Compare Pay Monthly Catalogues

What is Catalogue Credit?

Catalogue credit is a way of buying goods, You can do this Online or by Post. Payments can be spread and paid in weekly or monthly instalments.

Catalogue Payment Terms Explained

Pay Monthly, Pay Weekly or Buy Now Pay Later

pay monthly mail order credit catalogues

Catalogue Credit explained

Catalogue credit is a way of buying goods, You can do this Online or by Post. Payments can be spread and paid in weekly or monthly instalments.

How to Choose a Pay monthly Catalogue

Comparing Pay monthly Catalogues

choosing a pay monthly catalogue

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Choosing a pay monthly catalogue – How to choose the best pay monthly catalogue for you

With so much choice when it comes to Pay monthly Catalogues it can be hard to decide which catalogue is most suitable for you.

You will need to consider what items you wish to order now and in the future.

If you are into the latest fashion then a Fashion pay monthly catalogue is likely to be a great choice for you.

Finding your perfect pay monthly catalogue

If for example you are wanting the latest styles and fashion then a Fashion catalogue is likely to be great for you.

If being able to spread the cost without paying interest is important to you then a buy now pay later pay monthly catalogue could be for you.

You may also like to consider a more traditional all rounder pay monthly catalogue like the Freeman’s, Very or Studio catalogue.

If you can’t decide, we can help

If you can’t decide then read on, this page is packed with information to help you find the perfect pay monthly catalogue.

You can take a look at the range of pay monthly catalogues available by clicking here.

We have also created a section to show you which pay monthly catalogue is more suitable for each category here.

Benefits of a pay monthly Catalogue

Try before you Buy... Home Approval

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Try before you buy from your pay monthly catalogue – Home approval & Catalogue returns

Items you order from your Catalogue are usually sent to you on a “Home Approval Basis” 

This means that if you are not happy with part or all of the order you can arrange to have the items returned. There are very few items that are excluded.

Inside your Catalogue order will be a Returns Advice Slip,

Just complete this form and follow the instructions on this slip to arrange the return of your order.

Items you can’t return to your pay monthly catalogue

There are a few exceptions that you should be aware of. Some items cannot be return because of  Copyright laws and some  items  cannot be returned for Hygiene reasons.

Those items that are excluded from Home Approval are always clearly displayed at the time of your order. 

Your statutory rights are not affected

Open your Pay Monthly Catalogue today

try before you buy with a pay monthly catalogue

Applying for a Pay monthly Catalogue

Everything you need to know about Applying for a Catalogue and the Credit Checks

your application for a pay monthly catalogue

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Applying for a pay monthly catalogue

Before you apply for a pay monthly catalogue you need to be a UK resident aged 18+. To apply for a Catalogue you will need to complete a short application form, you will be required to disclose your Name, Address, Date Of Birth, Employment Status and a contact telephone number.

The Application

Catalogue applications are quick and easy and once you have completed the short application for and pressed the submit button your Catalogue company will run some background checks instantly.

Catalogue Credit Checks

If you apply for a Mainstream Catalogue your application is going to be subject to you passing Identity, Affordability Checks, Credit Checks and possibly fraud checks.

Credit Checks

Your Pay monthly catalogue will run a credit check at one or more of the UK credit reference agencies, these will either be Experian, Equifax or Call Credit.

If you wish to see which Credit reference agency each Catalogue company will use to check your Credit Report you can do so by clicking here.

Your Credit check will inform the Catalogue company how you have run Credit in the last six years, how many times you have applied for credit and if you have any serious credit problems such as Defaults and County Court Judgements against you.

Identity checks

To confirm you are who you say your are the Pay monthly catalogue company will complete some identity checks in the background at the time of your application. These are nothing to worry about, Customers who are not on the Electoral register may not pass these checks and may be asked to submit some additional de. Occasionally, customers who cannot pass Identity checks may be rejected for credit. Get registered by contacting your local council.

Affrodability checks

Under new responsible lending laws all pay monthly catalogue companies must carry out affordability checks as part of the application stage. Your  employment status, income and current debt levels will be used to access the  affordability of running a pay monthly catalogue.

Other checks may include checking fraud registers and any previous history you have within the Catalogues group.

Your instant decision pay monthly catalogue decision

All of these checks will be done automatically when you apply and take seconds to complete.

If your application for a Credit Catalogue is successful, the Catalogue company will inform you about your Credit Limit and the APR (The Interest rate) on your account.

You will be asked to set a password so you can login and manage your pay monthly catalogue account online.

You can then checkout using the Pay monthly catalogue credit facility.

Open your Pay Monthly Catalogue today

Pay Monthly Catalogue Eligibility Checker

Check if your are eligible for a pay monthly catalogue without harming your Credit rating

Credit Scoring policies change often. This means that if you are declined by one Catalogue company You could still be approved for a Catalogue by a different company.

It’s impossible for us to tell you which Catalogue is the best for you to personally apply for – That’s why Credit4everyone have launched the Uk’s first Catalogue Eligibility Checker.

how it works

Simply enter your details and our clever system will score your Catalogue application and will match the Catalogues you are more likely to be approved for.

We will search through our directory of  Pay Monthly Catalogues and try and match your credit rating to the Credit catalogues. The best part – Using our Catalogue Eligibility Checker will not affect your Credit Rating,

Catalogue Eligibility Checker

Credit4everyone is the first company in the World to offer a Catalogue Eligibility checker. give it a try today.

Try our Catalogue Eligibility Checker today

Catalogue eligibility checker

Pay Monthly Catalogues for people with Bad Credit

Easy Acceptance Pay monthly catalogues

catalogues for bad credit

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Catalogues for people with bad credit

If you have bad credit you may be searching the internet for easy acceptance catalogues, bad credit catalogues or no credit check catalogues.

Pay monthly catalogues are notoriously popular for people looking to build or rebuild their credit rating as they are usually easy to be accepted for than credit cards.

Most mainstream catalogue companies will consider consider customers with bad credit.

Bad credit is usually due to a combination of factors such as Missing Credit Repayments, Making too many application for Credit in a short period of time, Defaulting on Credit Agreements or having County Court Judgements.

If you haven’t yet tried a Mainstream Catalogue you should consider one. If you have already tried a mainstream Catalogue company in the past six months and have been unsuccessful don’t despair, we can still help.

We offer a range of Catalogues suitable for people with bad Credit.

No Credit Check pay monthly catalogues

Guaranteed Acceptance - No Credit Check pay monthly catalogues

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No Credit Check catalogues – Guaranteed Acceptance Pay monthly catalogues

If your application for a pay monthly catalogue has been unsuccessful then it’s likely to be down to Credit Scoring.

Catalogue companies use Credit scoring to decide whether or not to open a Credit account for you.

Credit Scoring will vary from Catalogue to Catalogue.

Credit Scoring

When you complete the application you will be asked some questions, these answers along with information the credit reference agency supply the Catalogue at the time of your application will help decide if your application is successful or not.

Credit Scoring is used to hep the catalogue company predict how you will run your Catalogue account and how likely it is that you will be able to afford the repayments and what risk you are in terms of defaulting on your repayments.

Why your income and employment status are important

Your income, Employment status, Accommodation Status, Your Age and how many applications for credit you have made in the past year will be used to help them score your application. 

This and how you manage your Financial agreements now and in the past 6 years will all be considered when making that final decision.  

If you have had  any past dealings with the Catalogue company this may also influence the decision.  

Credit Scoring does change on a regular basis. 

It’s main aim is to predict customers behaviour, spending habits and how likely they are to make the monthly repayments on time. 

My catalogue application has been declined.

If your application for a pay monthly catalogue is unsuccessful it is always worth checking your Credit report. 

Credit scoring has been used for many years on a range of financial products like Bank accounts, Credit Cards and Personal Loans.

Credit Scoring has great success in predicting wherever a customer is going to be a good or bad risk for the Catalogue company. 

If you feel your application decision is wrong you can appeal the decision, full details on making an appeal and the grounds for doing so are here.

Apply for a no credit check pay monthly catalogue

The step Card- Guaranteed acceptance bad credit catalogue – Apply today and start rebuilding your credit rating.

Savvy Benefit Catalogue – Guaranteed Acceptance, No Credit Check,

When you become a Savvy Benefits member, you get access to some amazing products available at our store. A £2,500 credit line* Apply Here

The Yes Catalogue – Very High Approvals and do accept customers with CCJ’s and Defaults Apply here

Deluxe Gold Card Catalogue – Again, very high approvals and accepts CCJ’s Defaults and even customers with a discharged bankruptcy Apply here

Choice Freedom Catalogue – Guaranteed £500 Credit Limit for those accepted, accepts customers with very poor credit ratings – Easy Application Apply here.

getting a no credit check catalogue

No Credit Check pay monthly catalogues

How to understand your Credit Catalogue Statement

your pay monthly catalogue statement explained

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Understanding your pay monthly catalogue Statement

Once you have placed and received your first order from your Catalogue You will be given a short period of time to make sure you are happy with your purchase, This is called the Home Approval stage.

Inside each order you place with your pay monthly catalogue will be an advice slip. You can use the slip to return any items you are not happy with.

Pay monthly catalogue orders are usually sent on a Home approval basis. Some items will be excluded for Hygiene reasons or for Copyright reasons, however these will be clearly displayed at the time of your order.

If you are happy with your items you can sit back and relax.

Your first Catalogue statement will usually be produced within 28 days of you opening your Catalogue account.

Your Pay monthly catalogue statement will list the orders you have placed, the payments you have made and details about your credit limit. You will also see the minimum payment and the date you must make your payment by.

Catalogue Credit Limits

Everything you need to know about Catalogue Credit limits.

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How pay monthly catalogue credit limits work and how to get Catalogue Credit Limit Increases

Your pay monthly catalogue credit limit is set when you open your Catalogue account. It may be increased from time to time. Your catalogues credit limit is the most you can owe your pay monthly catalogue at any time.

If you try to place an order from your Catalogue which is higher than the account credit limit, you will be asked to pay the difference using a debit or credit card.

When will my catalogue increase my credit limit

Catalogue credit limits are reviewed frequently so by maintaining your repayments on time you will increase your chances of a credit limit increase.

Use your Catalogue credit limit as often as you like

You can place Catalogue orders anytime you choose as long as you remain with the Catalogues credit limit.

How often do Catalogue companies review credit limits?

Every Catalogue is different. It should also be said that every customers circumstances are different. This means that Credit limit increases will vary from Catalogue company and by customers personal circumstances.

Most catalogue companies will review a customers credit limit every couple of months, it can take up to 6 months to start becoming eligible for a credit limit increase. Some Catalogue companies will increase limits once they see the fist repayment.

Using your catalogue can help improve your chances of a credit limit increase

Placing regular orders and making your repayments on time will improve your chances of receiving credit limit increases with your catalogue. Increased credit limits offer more spending power and can help improve your credit rating.

Can I request higher credit limits with my Catalogue company?

Each pay monthly catalogue is different and will have different requirements. For example, the JD Williams group do not allow credit limit increase requests, they will tell you that if you become eligible for a credit limit increase they will notify you.

The Freemans and Look Again catalogues do review credit limits frequently, Usually every 3-4 months , they can also consider requests if you call them.

Very and Littlewoods both offer a link inside the management area to request a higher credit limit, Usually you need to be a customer for a few months before they will consider a a request to increase a credit limit.

Studio / Ace catalogue also review credit limits manually every few months, they will notify you if you become eligible for an increase.

Can I refuse a Catalogue credit limit increase?

You can reduce your Credit limit at any time or refuse an increase being offered, simply contact your Catalogue comany to do this.

Why is my Catalogue not increasing my credit limit

A number of factors are considered before a catalogue company will increase your credit limit, including how much debt you have elsewhere. How you are managing your finances elsewhere and your personal circumstances.

Some customers receive lot’s of credit limit increases and some customers don’t receive any credit limit increases.

To improve your chances of receiving catalogue credit limit increase offers,  make sure you are not taking on too much debt elsewhere, keep up with your repayments with the Catalogue and elsewhere and try not to apply for too much credit.

Are you keeping up with your repayments elsewhere?

Some Catalogue companies like Next for example will receive a feed from the Credit reference agencies, So if you are not keeping up with your repayments elsewhere or are taking on too much credit they may suspend your credit facility.

It’s unusual for a catalogue company to redue credit limits although it can happen, Often if you are struggling to maintain your repayments elsewhere for example. Remember, credit limits can be increased or decreased

catalogue credit limit

Catalogue Warranties

Extending your warranty through your Catalogue

catalogue extended warranties

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Catalogue Warranties – Peace of mind

If you want the added peace of mind you can add extended warranties to a range of items you order from your home shopping credit catalogue.

Extended warranties can cover High end electrical products, Gadgets and Furniture. 

Sometimes you can even include accidental damage to the policy.

It’s always worth checking your home insurance protection too, sometimes, your home insurance policy may already protect you from accidental damage for example.

Buying an extended warranty can bring you peace if mind should an item breakdown.

Peace of mind

In the event an item is covered does develops a fault you will be covered for the repair and labour involved. 

In the event the item cannot be repaired your item will be replaced on a like for like replacement.

Extended warranties usually offer unlimited call outs, parts, labour and repairs. 

Just be sure to check the policy you are buying and ensure you understand what it will cover.

Open your Pay Monthly Catalogue today

Placing an order with your Pay monthly Catalogue

How to place an order with your Catalogue

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How to place an order with your CatalogueHow to place an order

When you are ready to open a pay monthly catalogue you will simply need to add items to your basket and then checkout.

If you are already a customer you can choose to Login, otherwise you will need to register as a new customer with the Catalogue company.

You can then select how you wish to pay, either by using a credit or debit card or by choosing to open a Personal Credit account.

Ordering Large items from your Catalogue

Whilst most goods you order from your catalogue will arrive in a day or two, larger items especially furniture and white goods such as Cookers will take longer.

You should also be aware that a Courier will usually need to arrange a time thats suitable for you.

your catalogue company will usually provide the courier company with your mobile number or they will send you an email to offer you some suitable time frames.Pay monthly catalogues with next day delivery

Next day deliveries transformed the ways we shop online. Catalogue companies now offer Next day delivery on a large range of the items they sell.

A small additional premium delivery charge will be applied if you choose next day delivery. Next day delivery is especially useful when you need an items in a hurry.  If you use Next day delivery often or plan to use it more, you should check to see if your Catalogue company offer a Next day delivery subscription plan. 

Some Pay monthly catalogues now offer an Unlimited Next day delivery service for a fixed annual price,

order and request your pay monthly catalogue
  • RedCats

    Pay Monthly Catalogues /Instant Decision
    Catalogues from the Redcats group
    • Number of Catalogues offered – 2
    • Instant Decision Catalogues – Yes
    • Instant Credit Catalogues – Yes
    • Pay Monthly terms offered – Yes
    • Buy Now Pay Later offered – No
    • Mobile APP – Coming Soon
    • Credit Checked – Yes, As a responsible lender Catalogues from the RedCats brand will carry out Credit Checks with Equifax as well as carrying out Identity and Affordability checks
    • Bad Credit Accepted – No (but customers with previous bad credit may be considered)

    About Redcats Catalogues

    French Fashion Branded Catalogues, one aimed at Adults and the other for Babies, Children and Toddlers, Both Catalogue offerings are totally Unique offering Fashion and Styles not available elsewhere.


    LaRedoute and Vertbaudet Credit Limits

    Both Catalogues will set a Credit limit based upon your own personal circumstance and will review your credit limit periodically.


    Bad Credit – Do LaRedoute and Vertbaudet accept Bad Credit?

    Both Catalogues appear to require a good credit rating, customers with a bad credit rating should consider an alternative catalogue


    Catalogues offered by Red Cats

  • Express Gifts

    Pay Monthly Catalogue /Instant Credit - Yes
    Express Gifts Catalogues
    • Number of Catalogues offered – 2
    • Instant Decision Catalogues – Yes
    • Instant Credit Catalogues – Yes
    • Pay Monthly terms offered – Yes
    • Buy Now Pay Later offered – Yes
    • Mobile APP – Coming Soon
    • Credit Checked – Yes, As a responsible lender Catalogues from the Express brand will carry out Credit Checks with Expreian as well as carrying out Identity and Affordability checks
    • Bad Credit Accepted – No (but customers with previous bad credit may be considered)

    About Express Gifts Catalogues

    Two amazing Catalogues offering everything you need from Fashion and Electrical to Personalised gifts and a Christmas Section updated throughout the year. Both Ace & Studio Catalogues offer great value for money.


    Ace and Studio Catalogue Credit Limits

    Both Catalogues will set a Credit limit based upon your own personal circumstance and will review your credit limit periodically.


    Bad Credit – Do Ace and Studio accept Bad Credit?

    Both Catalogues will consider applications from people with previous bad credit. Keep your first order below £200 for the best chance of success.


    Catalogues offered by Express Gifts

  • N Brown

    Pay Monthly Catalogues /Instant Credit - Yes
    home shopping direct catalogues
    • Number of Catalogues offered – 12
    • Instant Decision Catalogues – Yes
    • Instant Credit Catalogues – Yes
    • Pay Monthly terms offered – Yes
    • Buy Now Pay Later offered – Yes
    • Mobile APP – Yes
    • Credit Checked – Yes, As a responsible lender Catalogues from the Otto Group  will carry out Credit Checks with Equifax as well as carrying out Identity and Affordability checks
    • Bad Credit Accepted – Possibly (Customers with recent payment problems may not be accepted)

    About the N Brown Group Catalogues

    JD williams can be known under the N Brown, Candid Collection or Home Shopping Direct brand of catalogues. They offer numerous different catalogues ranging from Homeware through to Fashion catalogues.


    JD Williams Catalogue Credit Limits

    All Catalogues from the JD Williams  group will set a Credit limit based upon your own personal circumstance and will review your credit limit periodically.


    Bad Credit – Do the JD Williams Catalogues accept Bad Credit?

    JD Williams and all of the catalogues under it’s group will consider applicants with previous credit problems


    Catalogues offered by N Brown Group

    • Fashion World
    • Jacamo
    • Simply BE
    • JD Williams
    • Home Essentials
    • Premier Man

  • Otto Group

    Pay Monthly Catalogue /Instant Credit - Yes
    Otto Group Catalogues
    • Number of Catalogues offered – 7
    • Instant Decision Catalogues – Yes
    • Instant Credit Catalogues – Yes
    • Pay Monthly terms offered – Yes
    • Buy Now Pay Later offered – Yes
    • Mobile APP – Yes
    • Credit Checked – Yes, As a responsible lender Catalogues from the RedCats brand will carry out Credit Checks with Equifax as well as carrying out Identity and Affordability checks
    • Bad Credit Accepted – No (but customers with previous bad credit may be considered)

    About the Otto Group Catalogues

    Gratton, Freeman’s and Look Again are pay monthly catalogues which offer pretty much anything and everything you can need and want from a Mail order Catalogue.


    Otto Group Catalogue Credit Limits

    All Catalogues from the otto group will set a Credit limit based upon your own personal circumstance and will review your credit limit periodically.


    Bad Credit – Do Freemans/Look Again accept Bad Credit?

    Otto Group will consider applications from people with previous bad credit, people with recent credit problems may not be accepted.


    Catalogues offered by Otto Group

  • Shop Direct

    Pay Monthly Catalogue /Instant Credit - Yes
    • Number of Catalogues offered – 2
    • Instant Decision Catalogues – Yes
    • Instant Credit Catalogues – Yes
    • Pay Monthly terms offered – Yes
    • Buy Now Pay Later offered – Yes
    • Mobile APP – Yes
    • Credit Checked – Yes, As a responsible lender Catalogues from the RedCats brand will carry out Credit Checks with Equifax as well as carrying out Identity and Affordability checks
    • Bad Credit Accepted – No (Both Littlewoods and Very require good credit ratings)

    About Shop Direct Catalogues

    Shop Direct offer 2 different Catalogues, Very and Littlewoods, both offer traditional pay monthly catalogues offering everything you can possibly need, from Fashion through to Electrical products, Gifts through to Toys.


    Very and Littlewoods Credit Limits

    Very and Littlewoods will set a Credit limit based upon your own personal circumstance and will review your credit limit periodically.


    Bad Credit – Do Very and Littlewoods accept Bad Credit?

    Very and Littlewoods require a good credit rating, customers with a bad credit rating should consider an alternative catalogue


    Catalogues offered by Shopping Direct

    • Very
    • Littlewoods


  • Pay Monthly Catalogue Guides
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