Pay Monthly Catalogues.
& Home Shopping Credit.

Spread the cost with a Home shopping catalogue credit account, Pay monthly by instalments.

Pay monthly catalogue personal accounts 

Pay Monthly Catalogues personal accounts have been a big part of Uk Households since 1905.

They offer a convenient way of spreading the cost on items that you order with affordable monthly repayments.

Our Favourite for Homeware & Personal Gifts

Studio catalogue

Studio Catalogue

Pay monthly catalogue

The Studio pay monthly Catalogue is packed with a huge range of goods including Home Accessories, Toys Clothing and much much more. You can also buy Personalised gifts for that extra special occasion.

Our Favourite for people with Poor Credit

Savvy Benefit

Bad Credit Pay monthly catalogue

Enjoy a Guaranteed Acceptance with No Credit Check – You will enjoy a Catalogue credit limit of £2500 and other benefits including a Guaranteed mobile phone contract without credit checks.

Our Favourite for same day delivery

Argos catalogue, credit catalogue, store card catalogue, buy now pay later catalogue

Argos Home Shopping

Home Shopping Catalogue

Pay monthly Catalogue and Catalogue Card. Argos Catalogue offers Buy Now Pay Later Credit and Pay monthly catalogue options. All with same day delivery, ideal for Birthdays and Last minute gift ideas.

Apply for a Pay Monthly Catalogue Personal Account

Instant Decision, Home shopping Pay monthly catalogues.

Pay Monthly Catalogues

Spread the cost with a home shopping catalogue with credit

Catalogues with Credit personal accounts

Everything you to need to know about Pay monthly catalogue credit

You will probably be surprised at the number of different Catalogues available.

For Instance, You will find Catalogues dedicated to the latest Fashion, Catalogues for people with Bad credit as well as a range of Catalogues offering Buy Now Pay Later credit.

All of our Catalogues offer an Instant decision, Therefore, if your application is successful, you will have instant access to your Catalogue credit.

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How to Apply for a Home Shopping Pay Monthly Catalogue personal account

Opening a Catalogue credit account is as easy as 1-2-3.

  1. Simply add the items you want into your basket, remember to keep your first order sensible, because, You need to pass Credit Checks.
  2. Once you have selected items it's time to go to the checkout, at this point you will be asked how you wish to pay, You can choose to pay by Credit or Debit Card or you can apply to open a Catalogue personal Account.
  3. Complete the short application and press submit.. You will almost always get an Instant decision
A guide to Catalogues with Credit

Shopping on your Catalogues personal account

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.

Catalogue Credit

If you choose to apply for a Credit Facility with your Catalogue company you will need to complete a short application form.

You will be able to use the Credit facility as and when you need it.

First of all you need to select which pay monthly catalogue suits your needs.

This is an important step, as Some pay monthly catalogues may be dedicated to Fashion for example. Once you have chosen your Catalogue it's time to make an application

Unless you choose a bad credit, no credit check catalogue, your application will probably be checked at one or more of the Credit reference agencies shown in the table below.

What you need to open a pay monthly catalogue personal account

To apply for a Pay monthly catalogue personal account you will need to supply the following information.

  • Your Name,
  • Address
  • Date of Birth
  • Residential Status
  • Employment status
  • Income details

As soon as you Submit your application you will be given an Instant decision.

If you have some credit problems, You may wish to select a Catalogue company based upon the Credit Reference agency they will check, hence the table below will help you.

Which Credit reference agency will the Catalogue companies check?

Credit Reference Agency used for Catalogue Credit Checks

Catalogue Credit Reference Agency
Redcats Group (LaRedoute Catalogue & Vertbaudet Catalogue) Credit Checks with Equifax
Findel PLC (Ace Catalogue & Studio Catalogue) Usually Checks with Experian
OTTO Group (Look Again, Swimwear24, Bonprix, Kaleidoscope & Witt International) Both Experian & Equifax
Candid Collections (JD Williams Catalogue, Jacamo Catalogue, Simply Be Catalogue, Fashion World Catalogue) TransUnion & Experian
Savvy Benefit Card Catalogue None
Step Card Catalogue No Credit Checks

The above table was accurate up until Saturday 27th July 2019.

If you choose to apply for a Catalogue personal account then Your application will need to be checked with the Credit Reference Agencies.

This is so the Catalogue company can be satisfied that you can comfortably afford the repayments each month.

It seems like pay monthly catalogues are a popular form of credit because Catalogue companies are more lenient in terms of approvals hence making them popular with customers who have previously suffered some bad credit.

Customers with Excellent credit ratings can be declined for credit if they don't have the means to make monthly repayments.

Affordability checks are carried out using your annual income and your current levels of debts.

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Catalogue Credit Scoring

It seems important to mention that Catalogue companies will look at how have you managed credit in the past and how often have you applied for credit.

This will affect your application. Customers with Low levels of debt similarly those with a good history of making repayments on time will have a better chance of acceptance for a pay monthly catalogue credit account.

Catalogues all have different Credit Scoring Policies.

Consequently, This means if you are declined by one Catalogue company, You can still be approved by another.

Finally, The final checks which can affect your application are Fraud checks.

Most people will have no issues passing these checks, which is why you should never Lie on applications or make fraudulent insurance claims.

You can read all about fraud checks here.

Pay monthly Catalogue Credit Limits – How they work, when will you get a Credit Limit increase?

Your Pay monthly Catalogue personal account will be subject to a Credit limit.

The Credit limit offered by your Catalogue company is the maximum you can owe your Catalogue at any time.

As a result, You may have to change your first order or pay something towards it – Likewise,, Catalogue credit limits are variable.

This means that your Catalogue company may increase or decrease your credit limit at any time.

If you wish to increase your catalogues credit limit we recommend that you have maintained at least the minimum repayment for six months before requesting.

Consequently initial credit limits are often offered to see how you manage your account, usually after 3 months you usually qualify for a Credit Limit increase.

Some pay monthly Catalogue companies increase credit limits frequently!

When a Catalogue company is considering a Credit Limit increase they will write to you to inform you on the date the new limit will take affect from.

Your Credit report will affect your Catalogues Credit Limit

As a result of responsible lending requirements, Catalogue companies are now legally required to ensure they are following Responsible lending policies, Therefore, as long as you are managing credit well elsewhere you could qualify for credit limit increases.

While, in contrast if you are overstretched and missing repayments on other Credit you have, you may not be offered Credit Limit increases and you may be refused requests you make.

Some Catalogue companies, most noteworthy, Next PLC, will put a pause on your Credit Limit if they notice changes in your personal circumstances which may affect your ability to maintain repayments.

Your first order

As a result of Fraud, Some Catalogue companies will cancel large orders or first time orders being placed to addresses other than the Applicants home address.

Catalogue companies may ask for a small upfront payment or request you place a smaller order when you first become a customer..

Once your first statement has been generated and you have made your first payment (subject to having enough available credit), Your large order should certainly be accepted.


Most Home Shopping Mail Order Catalogue Companies now offer Next Day Delivery, consequently this may cost more, but it is ideal when you are in a hurry for something.

You can choose to have your Order delivered to your Home Address, A Drop off point, To your Place of work or to any address.

Please be aware, some Catalogue companies will insist that your first order is sent to your home address, this is for Security purposes.

Large and Bulky items may be sent direct from the Manufacturer, As a result, this may take several days to fulfil your order.

In contrast, Your Catalogue company will pass your telephone number to the Manufacturer so they can arrange a suitable time for delivery.

While of of the main perks of Mail Order pay monthly catalogues is the ability to spread the cost, Another is the Home Approval guarantee.

Available of most items you order, You can return any items that are not as expected.

Please be aware, certain items are excluded from the Home Approval guarantee, these are clearly stated on the website.

Usually this is for Hygiene or Copyright reasons.

How to return items

Inside each order will be an Advisory / Order Note, you can complete this form if you are wishing to returning an item.

You will receive your Catalogue statement once a month, it seems likely that you will be emailed your Statements.

The Catalogue Statement will display

  • Any Orders You have placed
  • Any items You have Returned
  • Your Balance outstanding from the last Statement
  • Payments you have made
  • The minimum payment due this month and the date it's due by

Other information Such as details about your Credit limit and the amount of available credit you have to spend at your Catalogue.

Payment Options

You can make full payment anytime by either logging into your account or by calling customer services, Or likewise, If you choose, You can make any repayment as long as it's at least the minimum repayment shown on your Catalogue statement.

Repayment date

The Catalogue statement will display how much you need to repay and the date which you need to pay it by, in contrast You can set up a Direct Debit making it easier for you never to miss payments.

If you are late paying, You may be subject to a late charge by your Catalogue company.

Consequently, this may affect your Credit rating and could make it harder to obtain credit in the future.

If you are struggling to make the repayments, You should contact your Catalogue company as soon as possible.

Each Catalogue company is likely to have a specialist department who can help you find a solution.

Catalogue companies know that sometimes events may mean people cannot make repayments on time, By letting the Catalogue company know you can help preserve your Catalogue account and your Credit rating.

Should Your Application For A Pay Monthly Catalogue fail, Then it is  it's more than likely because you have failed the Credit checks.

All applications are subject to credit scoring. You Can Check Your Credit Report Here.

You yay not be able to Rectify Credit Problems showing on your credit Report, Such as;

If you have missed repayments


Have Defaulted on a Credit Agreement.

This information will remain on your Credit file for six years.

But you can still enjoy the benefits of a pay monthly catalogue with one of our bad credit catalogues, see below for more information.

First of all, Please remember Catalogue companies are often more lenient in terms of credit approval.

Therefore, If you haven't applied for a Prime Credit Catalogue it may be worth trying.

A bad credit catalogue or a No Credit Check Catalogue can help you enjoy the benefits of Home shopping with a pay monthly catalogue.

As a result, You can certainly feel assured that your application will not be rejected because of your credit rating.

How bad credit catalogues work

A Bad Credit pay monthly catalogue will do everything they can to approve your application.

You can enjoy a Credit limit of up to £2500 with Instant and Guaranteed approval.

The Good news is opening and running a Pay monthly catalogue well can help improve your credit rating.

Just like any other form of credit, it’s important that you stay within the Catalogues Credit limit and make your payments on time each month.

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Apply now for a NO Credit Check Catalogue

catalogues no credit check

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Poor Credit Savvy Benefit Card

Savvy Benefit Card

Enjoy a Guaranteed Acceptance with No Credit Check - You will enjoy a Catalogue credit limit of £2500 and other benefits including a Guaranteed mobile phone contract without credit checks.[
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Poor Credit Yes Catalogue

Yes Catalogue

Bad Credit Catalogue - The Yes Catalogue Card is aimed at those with Poor Credit. If you have a bad Credit rating this Catalogue account may be just for you, they approve more applications ...
Credit 4 Everyone