Pay Monthly Catalogues with Credit

Instant decision, catalogues offering pay monthly credit terms, Apply today for your catalogue with instant credit. We have a range of of pay monthly catalogues including,

Buy now pay later Catalogues | Bad Credit Catalogues | No Credit Check Catalogues | Pay monthly Catalogues | Catalogues with instant Credit

pay monthly catalogues with credit

Spread the cost with one of our pay monthly catalogues. If your application for a pay monthly catalogue is successful you can spend instantly and pay back in monthly instalments, Or you can spread the cost further with a buy now pay later catalogue.

Pay monthly catalogs with Instant credit

Your pay monthly catalogue company will send you a catalogue Statement each month detailing all of your catalogue transactions, Including your recent orders, Your recent payments and  the amount you have to pay this month, Your pay monthly catalogue statement will also show you details about your Catalogues Credit limit and how much credit you have remaining to spend with your catalogue.

Catalogue credit limit increases

If you manage your Pay monthly catalogue well by keeping up with the repayments you could qualify for a credit limit increase, giving you more spending power and this could even have a positive affect on your credit rating.

Apply and open a Pay monthly mail order Catalogue today

Apply and open your pay monthly catalogue with credit 

You will find a range of Instant decision pay monthly catalogues with credit you can apply for today. If your application is successful you can spend up to your credit limit right away.

Step Card

No credit check catalogue – Apply today

Next Catalogue

Apply for your Next Pay catalogue with credit account today

Ace Catalogue

Apply for the Ace catalogue with credit – (Keep first orders below £200 for best chance of approval)

Dial a Tv – (Bad Credit Welcome)

Pay Weekly credit, Gadgets, White Goods, Electrical and more – Bad credit welcome

La Redoute – Fashion Catalogue

French Fashion catalogue with credit – Instant decision

Freemans Catalogue

Apply now for a Freemans.com catalogue with credit account Representative 34.9% APR variable

Argos Catalogue – Catalogue Store Card

Spread the cost with Argos, Pay back in monthly instalments or choose buy now pay later. (Soft Credit search available)y

Vertbaudet Catalogue (French Fashion catalogue)

Apply for Vertbaudet catalogue with credit (French fashion for Children and Babies)

Look Again Catalogue

Instant decision catalogue offering Credit, Look again also offer a Soft Search application Representative 34.9% APR variable

Studio  Catalogue

Apply for the Studio  catalogue with credit – (Keep first order below £200 for best chance of approval)

Curvissa Catalogue

Apply for your Curvissa Fashion catalogue

Kaleidoscope Catalogue – Catalogue with Credit

Kaleidoscope Catalogue Instant decision available) Representative 34.9% APR variable

Swimwear 365 Catalogue with Credit

Catalogue with credit dedicated to Holiday and Swimwear Representative 34.9% APR variable

Savvy Benefit Card Catalogue

Guaranteed Approval with no Credit check, Guaranteed Credit limit of up to £2500

Spread the cost with a pay monthly catalogue with credit

Spread the cost with a pay monthly catalogue

Pay monthly catalogues with credit allow you to spread the cost of items you want and need today.

To open a pay monthly catalogue with credit you will need to complete a short application and if your application is successful you will be offered a credit limit, you can use this credit limit anytime you want, so you can place an order today or place several orders up to your credit limit.

The History of pay monthly catalogues

Pay monthly catalogues with credit have been around for several years, in fact history shows that the Freeman’s Catalogue has roots all the way back to 1905!

Sometimes referred to as Mail Order Catalogues, Home Shopping Catalogues, Catalogues with Credit or simply Catalogs, Pay monthly catalogues allow you to spread the cost of items you order.

Requirements to open a pay monthly catalogue with credit

To be eligible for a pay monthly catalogue you must be a UK resident aged 18+.

There is a range of different pay monthly catalogues you can choose from, We have pay monthly catalogues dedicated to Fashion, pay monthly catalogues for people with bad credit or Pay monthly catalogues that offer everything. 

Which pay monthly catalogue will you choose?

So choosing the right pay monthly catalogue is important.

Our pay monthly catalogue directory shows you all of the pay monthly catalogues available in the UK

Apply for your pay monthly catalogue today.

Our Guide to Pay monthly catalogues with credit

Your Pay monthly Catalogues with Credit Guide

Pay monthly catalogue Guide

Our pay monthly catalogue guide will help you understand everything you need to know about pay monthly catalogues and how they work.

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

Choosing a pay monthly cataloguechoosing a pay monthly catalogueHow to choose a pay monthly catalogue

With so much choice when it comes to pay monthly catalogues it can be hard to choose which catalogue to apply for. 

What you need to consider is what kind of items you are going to order from your Pay monthly catalogue, today 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.

Find 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.


back to menu ↑

Spread the cost with a pay monthly cataloguespreading the cost with a pay monthly catalogueAdvantages to having a pay monthly catalogue

Pay monthly catalogues with credit are a great way of spreading the cost.

You can order today without any upfront payments and spread the cost of the items you order with low and affordable monthly repayments.

Order when you need with yout catalogues credit limit

Once your pay monthly catalogue account is opened, you can place an order, you can choose to place an order right away or order as and when you like. Your Catalogues credit limit will be available to you as long as you maintain your repayments and stay within the Catalogues credit limit.

Pay monthly catalogues can also be good for your Credit rating, find out how they can have a positive effect here.


back to menu ↑

Pay monthly catalogue credit checksyour application for a pay monthly catalogueAre pay monthly catalogues credit checked?

When you submit an application for a pay monthly catalogue with a traditional mainstream catalogue company your application is going to be subjec to credit checks, identity checks and affordability 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. You can find out which Credit reference agency each pay monthly catalogue company will check here.

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.


back to menu ↑

Bad Credit catalogues for people with poor creditbad credit catalogues and no credit check cataloguesHow to get a Pay monthly catalogue with poor credit

If you are worried about passing a pay monthly catalogue credit check or you have applied and have been unsuccessful then it could be because you are seen as having a poor credit history or you are a risk to the Catalogue company in terms of paying back money you borrow.

You can enjoy all the benefits of a pay monthly catalogue

This doesn’t mean you can’t enjoy all of the benefits of a pay monthly catalogue, in fact you can still open a pay monthly catalogue account. We offer a range of pay monthly catalogues for people with bad credit including no credit check pay monthly catalogues.

We help hundreds of people each month get accepted for catalogues.

Mainstream traditional pay monthly catalogues can accept customers with bad credit

The first thing to be aware about is each pay monthly catalogue company is different in terms of the types of customers they are willing to accept. This means even customers with a bad credit history may be offered a pay monthly catalogue account.

Sometimes with a lower credit limit or with a higher than normal interest rate, but they can and do accept customers with bad credit.

Each catalogue company is different

Each Catalogue will have a different credit scoring requirement, which means Catalogue company A may decline you but Catalogue company B may accept your application for a credit catalogue account.

All of the Catalogue companies listed on our website have a history of accepting customers with previous bad credit.

Bad credit customers can still enjoy the benefits of a pay monthly catalogue

If you have tried a Mainstream Catalogue company and have been unsuccessful then you may like to consider our Guaranteed no credit check catalogue, offering a guaranteed credit limit of up to £2500, click here for full details.

Lot’s of different factors can cause someone to have a poor credit history, it doesn’t mean you can’t enjoy the benefits a pay monthly catalogue has to offer.

People searching  for a bad credit catalogues have usually been declined  for a Pay monthly catalogue.

What is a bad credit history?

Examples of a bad credit rating include missing repayments on Credit agreements, making credit repayments late, making too many applications for credit in a short period of time, defaulting on a credit agreement  or being issued with a County Court Judgement for non payment of a debt in the past six years.

It’s always worth trying an application for a mainstream catalogue, When we had poor credit we still managed to open a Catalogue account with Ace, JD Williams and Look Again.

Traditional pay monthly catalogues

If you do try a traditional mainstream catalogue and are declined, stop and check your credit report. Consider pay monthly catalogues that have a better chance of success or try and Guaranteed no credit check pay monthly catalogue.


back to menu ↑

Catalogue credit limitshow do catalogue credit limits workHow 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 eligibl 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


back to menu ↑

Advantages of running a pay monthly catalogue mail order catalogues pay monthlyGetting the most from your pay monthly catalogue

Once you apply for a pay monthly catalogue you will often be rewarded with a new customer welcome offer.

These offers change from time to time but can include things like free delivery, money off your first order or a discount code.  Usually these offers are only available to new customers placing their first order.

Pay monthly catalogues also offer the convenience of being able to place orders as and when you need them.

This coupled with the ability to spread the cost of the items you order with easy and affordable repayments, it’s no wonder that pay monthly catalogues with credit are so popular.


back to menu ↑

Pay monthly Catalogues with Credit from – Express Gifts Ace & Studio Mail order home shopping Catalogues

Both The Studio and Ace Catalogues are packed with Personalised Gifts, Electrical Items and the Must have latest Fashion.

You can apply for a pay monthly Catalogue with credit on both the Ace and Studio catalogue websites.

About Express gifts

Express Gifts (also known by some as Findel PLC)  have long been known for their Personalised Gifts, Amazing Prices and their famous Christmas section (which is updated throughout the year).

Over the years they have gained a reputation for accepting customers with less than perfect credit.

Do Ace or Studio catalogues accept bad credit?

Just like other pay monthly catalogue companies, Studio and Ace will accept some customers with a history of credit problems.

They are more likely to approve customers who can demonstrate that they are able manage their monthly repayments.

This means that they are unlikely to approve applications from people with recent Defaults or County Court Judgements.

If you had been managing your Credit well for the past 24 months plus, you could give them a try.

Express Gifts (Studio and Ace Catalogue)

The Ace and Studio Catalogues offer great value for money, Top Brands and Designer labels.  

Credit Limits on the Ace and Studio Catalogues usually start at the lower end.

So to improve your chances of Success, try to keep your first initial orders below £200.

Apply for your Pay Monthly Catalogue with Credit fromt Express Gifts

back to menu ↑

Pay monthly catalogues with Credit from the OTTO Group The Look Again, Freemans and Swimwear365 pay monthly catalogue

Gratton, Freeman’s and Look Again are pay monthly catalogues which include pretty much everything you need.

Credit Limits vary but can start from around £100 upwards

Do Freemans accept customers with bad credit?

If you have a Poor Credit Rating, you could try an application for a Look Again, Gratton or the Freemans Catalogue.

To improve your chances of Success, you should be registered to vote (be on the Electoral Register) and you should have some evidence of running credit well.

Catalogues from the Grattan/Otto Group

back to menu ↑

Pay monthly catalogues with Credit from Red CatsRedCats offer two pay monthly catalogues aimed at French Fashion

One for adults and one for children, yet both are unique in their offerings.  Both have wonderful exclusive designs not available elsewhere.

In the past, LaRedoute and Vertbaudet Catalogues have approved people with a less than perfect Credit History.

Can I get a Catalogue with La Redoute or Vertbaudet with bad credit?

Both Catalogues are more likely to approve applications from customers who don’t have recent County Court Judgements or Defaults.

It should also be shared that La Redoute and Vertbaudet catalogues will check the Equifax credit reference agency.

This Catalogue is more aimed at customers with a Fair or Good Credit Rating.

That being said, Some customers with a Poor Credit Rating have been successful, So it could be worth a try if you desire.

Catalogue credit limits with La Redoute

Catalogues from both LaRedoute and Vertbaudet start from £100 upwards.

Usually this catalogue will offer a low credit limit to start with (usually £150)

You should be registered to vote (be on the Electoral Register) and have no recent payment problems.

Check out our blog pages for both catalogues as they do run lot’s of money off promotions and discounts.

Apply now for your Pay Monthly Credit Catalogue

back to menu ↑

Pay monthly catalogues with credit from the Home shopping directJacamo, JD Williams, Fashion World, Simply BE and House of Bath Catalogues

Jd Williams have a range of pay monthly catalogues.

Jd Williams do accept some customers with bad credit histories, however, you should be aware that the interest rate charged by JD Williams catalogues is the high, so we don’t recommend them as a first choice catalogue.

For that reason, we don’t link to the Catalogue, you can read more about this on our blog, including How women appear to be charged more than men for a pay monthly catalogue.

Catalogues from Candid Collections 

  • JD Williams – jdwilliams.co.uk
  • Marisota – marisota.co.uk
  • Jacamo – jacamo.co.uk
  • Julipa – julipa.co.uk
  • The Brilliant Gift Shop – This Catalogue has now closed.
  • Simply Be – simplybe.com
  • The Shoe Tailor – Sorry, this Catalogue has now closed.
  • House of Bath – Houseofbath.co.uk
  • Ambrose Williams – ambrosewilliams.co.uk
  • Fashion World – fashionworld.co.uk

JD Williams catalogues once had a reputation for being a Catalogue who could help you improve your credit rating.

They would consider those with a less than perfect credit history which was reflected with the higher the APR.

It appears that more customers with bad credit are now rejected by the group.

If you do open a JD Williams pay monthly catalogues always try to make a higher repayment than the minimum requested as this can be an extremely expensive catalogue to operate.

How Pay monthly catalogue Statements work

back to menu ↑

Pay monthly catalogue statementsyour pay monthly catalogue statementUnderstanding your pay monthly catalogue

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.

Pay monthly catalogue payment options explained

back to menu ↑

Pay monthly instalments

You can choose to pay back items you order in monthly instalments or all in one go each month. The choice is yours. Pay monthly is the most common payment method chosen by customers.

The minimum repayment is shown on your statement, you can pay your catalogue weekly or monthly, what ever suits you best.

back to menu ↑

Buy now pay later instalments

Some customers may like to choose buy now pay later. With no upfront payments and a period of up to 12 months interest free without the need to make any repayments it could be an option for you.

If you choose buy now pay later just be sure to clear the entire balance before the BNPL period ends, otherwise interest will be back dated and added to your account.

back to menu ↑

Interest Free Saver

Some catalogue companies now offer Interest free periods  or plans such as this. Allowing you to place orders, make slightly higher repayments but interest free. This option can save you money compare to traditional pay monthly instalments.

Paying more than the minimum back each month will always save you money in interest. Interest Saver plans are worth doing if you can afford slightly more each month.

Placing an order with your pay monthly catalogue

back to menu ↑

Need something in a hurry?catalogue deliveryPay 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,

back to menu ↑

Ordering large items from your catalogueorders with cataloguesFurniture, White Goods and Electrical products 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.

try before you buy with your pay monthly catalogue

back to menu ↑

Try before you buy from your pay monthly cataloguetry before you buy with a pay monthly catalogueHome 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

Peace of mind and buy now pay later explained

back to menu ↑

Peace of mind when ordering through a catalogueextending your warrantyExtended warranties

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.

back to menu ↑

Buy Now Pay Latercatalogues with buy now pay laterSpread the cost with nothing to pay for up to 12 months

More and more pay monthly catalogues are offering you the chance to spread the cost even further with buy now pay later.but what does this actually mean?

What is buy now pay later?

Buy now pay later works in a different way to normal catalogue credit. You still order the same but you select the buy now pay later option at the checkout. For the buy now pay later period usually up to 12 months, you will not need to make any repayments whatsoever. You can of course if you choose bring the balance down at anytime, in fact, it’s always worth doing this.

ALWAYS CLEAR THE ENTIRE BALANCE OWEED BEFORE THE BUY NOW PAY LATER PERIOD HAS FINISHED

If you don’t clear the entire debt before the buy now pay later period ends the interest will be added and back dated to the date you ordered the goods.

This means your debt will a lot higher. Buy now pay later is an interest free break from repayments and used correctly is a benefit, however, only use or apply to use buy now pay later if you know you can pay for it all in one go before the buy now pay later period ends. Catalogues offering Buy Now pay later include

  • Ace
  • Studio
  • Very
  • Littlewoods
  • Freemans (after running a catalogue account for a period of 9 months or more)

Pay monthly catalogues for people with bad credit

back to menu ↑

Catalogues for people with bad crediteasy acceptance cataloguesLooking for an easy acceptance catalogue?

Are you looking for a catalogue with easy acceptance?

Every catalogue company will have a different credit criteria, for example Jd Williams  may reject an application whilst Look Again may approve an application.

To find out which pay monthly catalogues belong to which company, please click here.

If your application for a pay monthly catalogue is 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.

Being on the Electoral register increases your chance of approval

By being registered on the Electoral Register you will increase your chances of success when applying for a pay monthly credit catalogue.

If you are not registered on the Electoral register you may find your application is rejected or in some cases your application for a catalogue with credit may take longer to be processed. You may also be asked  asked to provide evidence of your residence or other forms of identification if a Catalogue company cannot confirm your identity.

If you would like to get registered on the Electoral register or if you wish to double check you are registered you can contact your local council.

Try a bad credit catalogue

Below you will find some bad credit pay monthly catalogues

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

Mainstream catalogues do accept some customers with bad credit, so if you haven’t yet tried a mainstream catalogue we do recommend you do this before applying for a bad credit catalogue.

The only real difference between a mainstream catalogue and a bad credit catalogue is the interest they charge. You are always more likely to pay a higher interest if you have bad credit.

Looking for a no credit check catalogue solution? Look at the next section!

No credit check pay monthly catalogues

back to menu ↑

No Credit Check catalogues – Bad Credit Catalogues for people with a bad credit ratingGuaranteed Acceptance Pay monthly catalogues

If your application for a pay monthly catalogue is 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.

Our pay monthly catalogue directory

Mail Order Catalogues

Catalogues are sometimes referred to as Catalogues with Credit, Pay Monthly Catalogues, Home Shopping Catalogues, Mail Order Catalogues or Credit Catalogues.

Whatever you refer them to, they all offer the chance to spread the cost on items you purchase and spread the cost with easy affordably monthly repayments.

All of our  pay monthly catalogues come with an Instant decision and Instant spending power!

Keep up with the repayments and you could qualify for a credit limit increase, giving you more spending power – This could help improve your credit rating.

Argos Catalogue - Catalogue Store Card
Argos Catalogue - Catalogue Store Card

Spread the cost with Argos, Pay monthly and buy now pay later (Soft Credit search available)

Step Card
Step Card

No credit check catalogues offering pay monthly payment options, Guaranteed acceptance - Apply today

La Redoute - Fashion Catalogue
La Redoute - Fashion Catalogue

French Fashion pay monthly catalogue - Instant decision

Look Again Catalogue
Look Again Catalogue

Instant decision pay monthly catalogue with Credit, Look again also offer a Soft Search application Representative 34.9% APR variable

Next Catalogue
Next Catalogue

Apply for your Next Pay catalogue with credit account today

Studio Catalogue
Studio Catalogue

Apply for the Studio catalogue today.- (Keep first order below £200 for best chance of approval)

Freemans Catalogue
Freemans Catalogue

Apply now for a Freemans.com catalogue with credit account Representative 34.9% APR variable

Vertbaudet Catalogue (French Fashion catalogue)
Vertbaudet Catalogue (French Fashion catalogue)

Apply for Vertbaudet catalogue with credit (French fashion for Children and Babies)

Ace Catalogue
Ace Catalogue

Instant decision Catalogue with credit - Ace Catalogue - (Keep first orders below £200 for best chance of approval)

Curvissa Catalogue
Curvissa Catalogue

Apply for your Curvissa Fashion catalogue today.

Dial a Tv - (Bad Credit Welcome)
Dial a Tv - (Bad Credit Welcome)

Pay Weekly credit, Gadgets, White Goods, Electrical and more - Bad credit welcome

Swimwear 365 Catalogue with Credit
Swimwear 365 Catalogue with Credit

A Catalogue with credit dedicated to Holiday and Swimwear Representative 34.9% APR variable

Kaleidoscope Catalogue – Catalogue with Credit
Kaleidoscope Catalogue – Catalogue with Credit

Kaleidoscope Catalogue Instant decision available) Representative 34.9% APR variable

Savvy Benefit Card Catalogue
Savvy Benefit Card Catalogue

Guaranteed Approval with no Credit check, Guaranteed Credit limit of up to £2500

Bad Credit Catalogues

Bad Credit pay monthly catalogues for people with a bad credit rating. Instant decision bad credit catalogues and no ocredit check pay monthly catalogues with credit.

Bad Credit Welcome - Dial a TV
Bad Credit Welcome - Dial a TV

If you have a bad credit rating you could still get Electrical items, White Goods, Kitchen appliances and more with Dial a TV,.

Step Card
Step Card

No credit check pay monthly catalogue - Apply today

Bad Credit Catalogue - No Credit Check
Bad Credit Catalogue - No Credit Check

Bad Credit Catalogue with Guaranteed approval, this no credit check catalogue with offer you a credit limit of up to £2500 instant spending power.

Argos Pay monthly catalogue
Argos Pay monthly catalogue

Argos sometimes accept customers with a less than perfect credit history. Argos will carry out a soft search before carrying out a full credit search so if you have a bad credit rating you could still be accepted for the Argos pay monthly catalogue

Christmas 2018 Pay monthly Catalogues with Credit

It’s never too early to start planning for Christmas, Open a pay monthly catalogue with credit now and build up your Credit Limit in time for the Festive period.

Spread the cost of Christmas with Studio
Spread the cost of Christmas with Studio

Studio offers a range of Christmas Inspiration all year around, with Christmas Lights, Personalised gift ideas and a Christmas department open and updated throughout the year.

Look Again - Christmas Catalogue
Look Again - Christmas Catalogue

Look Again offers everything you need including Toys, Christmas Party Wear and a range of luxury Christmas gift ideas.

Christmas pay monthly and buy now pay later catalogue - Argos Store Card
Christmas pay monthly and buy now pay later catalogue - Argos Store Card

A handy Store card allowing you to buy in store or online, a brilliant Catalogue for Christmas with same day delivery available.

Ace - Christmas Catalogue
Ace - Christmas Catalogue

It's Christmas all year around with Ace. They have a special Christmas section that gets updated all year around, from Christmas Lights through to Novelty gift ideas.

Buy Now Pay later catalogues

Buy now pay later catalogues allows you to buy now with no upfront payment and no monthly repayments for a fixed period. Just ensure you clear the entire balance before the buy now pay later period finishes to avoid deferred interest (Interest back dated to the time of the order)

Look Again Buy Now Pay Later Catalogue
Look Again Buy Now Pay Later Catalogue

Looking to spread the cost with no upfront payments and no monthly instalments? The Look again buy now pay later catalogue requires you to be a customer for 9 months or more. Representative 34.9% APR Variable

Buy now pay later catalogue - Argos
Buy now pay later catalogue - Argos

Buy now and pay later - up to 12 months later! Argos offers a range of buy now pay later options, apply for your buy now pay later catalogue

Freemans.com Buy now pay later catalogue
Freemans.com Buy now pay later catalogue

Freemans offer a buy now pay later facility once you have operated a pay monthly catalogue for 9 months or more. Apply now and you could spread the cost

Check to see if you are eligible for a pay monthly catalogue with credit

back to menu ↑

Catalogue Eligibility CheckerCatalogue eligibility checkerpay monthly Catalogue with Instant decisions

Each pay monthly catalogue will have a different Credit Scoring policy.

This means if you are declined by one Catalogue company you can still be approved by a different catalogue.

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.

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.

Enter your information honestly and we will score your application to see if you Qualify for a Catalogue, we are seeing excellent results, give it a try today.

Try our Catalogue Eligibility Checker today

back to menu ↑

Catalogue Credit Scoringno credit check cataloguesIf your application is unsuccessful consider a pay monthly catalogue without any credit checks.

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.

You may not be aware but there is a way to open a pay monthly catalogue without any credit checks.

Why was my application for a pay monthly catalogue declined?

Although all Home Shopping Mail order Catalogues have a legal requirement to carry out Identity checks and Affordability checks to ensure responsible lending, there are Catalogue companies in the UK willing to opening Catalogue accounts without the Credit Checks.

This means you can still have a Catalogue account without the hassle of a Credit Check .

As long as you can afford the repayments and are not currently bankrupt you can open a no credit check, guaranteed pay monthly catalogue.

A no credit check catalogue can give you the spending power you deserve. Use it wisely and this could help improve your credit rating, meaning you could become eligible for a mainstream Catalogue in the future.

Catalogues with Guaranteed acceptance

Savvy Catalogue

This catalogue offers a guaranteed Credit limit of up to £2500 and a Guaranteed mobile phone contract to those who are looking to get back on the credit ladder.

The above Catalogues will consider those with very poor credit ratings, so if you have tried the mainstream Catalogues and have been rejected, be sure to check out the above Catalogues who are more likely to accept your application.

Yes Catalogue

The Yes Catalogue operates a catalogue for people with poor credit. Currently the Yes Catalogue is not available, if it reopens we will add the link here.

Deluxe Gold Card Catalogue Account

The Deluxe Gold Catalogue was another poor credit catalogue for people with credit problems, this catalogue is not currently available to new customers.

Choice Freedom Card (catalogue) account

The Choice freedom Catalogue closed in 2017. If this Catalogue does reopen we will add a link here.

Step Card catalogue (new to credit 4 everyone)

Another guaranteed no credit check pay monthly catalogue, click here to apply

Catalogues report back to the Credit reference agencies each month.

If you run your pay monthly Catalogue  account well this could have a positive effect on your Credit Rating.

However, ifyou miss repayments or exceed the credit limit, this could have a negative effect on your credit rating. Missing repayments can also incur fees.

If you are having trouble making payments, make sure you contact the Catalogue company (lender) as soon as you can, most are really helpful, if it’s a genuine case, they will want to help you and will appreciate your honesty.

 If you are struggling with debts, please do not apply for more credit, visit Step Change charity for help and free debt advice.

I followed the instructions very carefully and after 15 months of trying to get accepted to start re-building my credit, I was approved! The information you supplied has really helped me. Now, 18 months on, I have a mobile phone and credit card and finally feel like an adult again.
Thomas Aslantepe – Wiltshire

Disclaimer

We hope you found our guide to pay monthly catalogues useful. It has taken several years of research to bring this guide together in hope it helps others understand how pay monthly catalogues with credit work.

A pay monthly catalogue offers a range of benefits and is a useful product. One of the disadvantages of a pay monthly catalogue is just like any other form of lending. The longer it takes for you to repay the debt, the more it will cost you. Be sensible and remain responsible.

Catalogues debt can take several years to repay if you only make the minimum repayment each month.
Credit 4 Everyone