About Pay Monthly Catalogues with Credit

Buy now pay later with a Pay Monthly Catalogue with Credit. We have a large range of Catalogues available. You can apply for your new Pay Monthly Catalogue in just a few minutes. Your items can be delivered right to your door or to one of several thousand drop off points (such as shops etc).

You can spread the cost with easy affordable manageable repayments. Enjoy all of the benefits of a Pay Monthly catalogue today.

How do Pay Monthly Catalogues with Credit work?

You can shop in a number of ways on a Catalogue website. You can choose to pay with your Debit or Credit Card or apply for a Credit account.

If you choose to apply for a Credit Facility with your Catalogue company you will need to complete a short application form. If you apply for a Credit account and are successful you will be able to use the Credit facility as and when you need it.

If you choose to apply for a Catalogue with Credit your application will go through a few checks.

Identity Checks

Catalogue companies will check your identity to ensure you are who you say you are and to ensure you are not a victim of fraud. These checks are done in the background usually in real time once the application has been applied for. If they cannot prove your identity, you may be asked to send them a document to help them verify you.

Affordability Checks

Catalogue companies are required by law to ensure they lend responsibly. Therefore when you apply for a Catalogue with Credit, they will carry out affordability checks. This will just ensure you are not already financially stretched and ensures you can afford the repayments each month.

Credit Check

It’s more than likely that along with the affordability and ID checks, your Pay monthly Catalogue company will carry out a Credit Check. This will give them a picture on how you manage credit and will help them decide on the Credit limit they offer you.

It all sounds like scary stuff, but it’s nothing to worry about. In most cases, your application will take a couple of minutes to apply for and a decision will usually take seconds.

No Credit Check Catalogues for people with bad Credit

No Credit Check Catalogues catalogues for people with bad credit or a low credit rating. People often search for no credit check catalogues. One thing to be aware there is no such thing as a No Credit Check Catalogue because the Law requires all companies providing credit to be lending responsibly.

This means that the Catalogue company needs to know you are at least the minimum age (18) and you are not bankrupt for example. Once those two checks are completed, the Catalogue company still needs to know that you can afford the minimum repayments each month. Finally, To guarantee against Fraud the Catalogue company is also required to check your Identity, this stops someone opening accounts in other peoples names.

In most cases, all of these checks are done within seconds using a Credit Check with a Licensed Credit Reference Agency. Improving your chance of getting accepted for a Pay Monthly Catalogue with Credit Being registered on the Electoral Register is going to strongly improve your chances of being accepted for a Catalogue with Credit immensely.

If you are not registered you may find your application is rejected or you may be asked to provide evidence of your residence. So if you are looking for a No Credit Check catalogue, do check out our bad credit catalogue section for a much higher chance of approval.