catalogues with credit

Pay monthly Catalogues

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


Catalogues with Credit | Instant Credit Catalogues | Catalogues offering Instant Credit | Catalogue Credit

Instant decision pay monthly catalogues with credit


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Bad Credit and NO Credit check catalogue credit

Apply for a Instant decision pay monthly catalogues

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.

Apply for a Pay Monthly Catalogue

Instant Decision, Home Shopping Pay monthly catalogues with credit accounts.

NO CREDIT CHECK 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 ...
NO CREDIT CHECK Step Card Catalogue

Step Card Catalogue

A pay monthly catalogue available to visitors with poor credit! Introducing the Step Card Catalogue. No Credit check pay monthly catalogue, Guaranteed ...
NO CREDIT CHECK Yes Card Catalogue

Yes Card 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, ...
Fashion World Catalogue

Fashion World Catalogue

The Fashion World Catalogue specialises in offering flattering clothing and lingerie to help customers keep up with the latest trends that best suit them. ...
Very Catalogue

Very Catalogue

Very is one of our personal favourite Catalogues due to the number of items available and the next day delivery.Opening an account is pretty straight ...
Premier man catalogue

Premier man catalogue

Premier Man offers you the chance to Shop for your whole wardrobe from casual wear to tailored suits in sizes up to 5XL. The Premier man catalogues allows you ...
Marisota Catalogue

Marisota Catalogue

As seen on TV, The Marisota Catalogue provides the latest fashions, designed to flatter every figure. Marisota girls can be assured that they will look and ...
pay monthly Littlewoods Catalogue

Littlewoods Catalogue If you are looking for an all rounder Catalogue offering everything from Fashion through to Electrical items, Toys, Gadgets, White Goods, ...
Simply Be Catalogue

Simply Be Catalogue

The Simply Be Catalogue - As well as our own gorgeous clothing, Simply Be brings you the most fabulous fashion from big brands and designers all in sizes ...
Jacamo Catalogue

Jacamo Catalogue

About the Jacamo catalogue - Jacamo customers keep their wardrobe up to date with menswear for all occasions from cool casual wear to great fitting, tailored ...
JD Williams Catalogue

JD Williams Catalogue

The JD Williams Catalogues is a fantastic Catalogue company for those with previous credit problems looking to rebuild their credit rating. place and order, ...
pay monthly The Brilliant gift shop catalogue

The Brilliant gift shop catalogue

The Brilliant Gift Shop Pay Monthly Catalogue with Credit from JD Williams A great alternative is the Look again catalogue, also packed with amazing Products ...
Julipa Catalogue

Julipa Catalogue

Julipa Catalogue provides smart fashion that is cut to fit and flatter the mature woman. We have fashion for all occasions available in sizes 10-30 and stylish ...
House of Bath Catalogue

House of Bath Catalogue

House of Bath, Quality Furniture and Decor for every room in your home. Find Unique items not readily available on the high street, reflect your taste with ...
Fifty Plus Catalogue

Fifty Plus Catalogue

Fifty plus Catalogues is a great catalogue account for the mature woman who is still very much young at heart. Clothing is available in sizes 12-34 and Shoes ...
Pay Later Ace Catalogue

Ace Catalogue

Open an Ace Catalogue account and you can choose how you repay, choose Pay Monthly or buy now pay later. The Ace Catalogue offers an Instant decision and ...

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Apply now for a NO Credit Check Catalogue

catalogues no credit check

Yes Catalogue

Yes Catalogue

Yes Catalogue - Guaranteed Acceptance £300 Credit Limit, No Credit Check Catalogue. Buy the latest Gadgets with Guaranteed approval. Guaranteed Acceptance Catalogue Online Catalogue - Shop Now, ...

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.[

Step Card Catalogue

Step Card Catalogue

A pay monthly catalogue available to visitors with poor credit! Introducing the Step Card Catalogue. No Credit check pay monthly catalogue, Guaranteed Acceptance – Credit limits up to £500 with ...

Yes Card Catalogue

Yes Card 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 than any ...


Credit 4 Everyone has been created to offer you, the Consumer, real knowledge of how Pay Monthly Catalogues operate.

We offer you the chance to understand every element of Catalogue shopping from Comparing Pay monthly Catalogues through to understanding about Catalogue credit limits, how to improve your chances of a Catalogue credit limit increase and how Catalogue statements work.

Our hand written guides are from years of personal experience.

We even offer second chance Catalogues for customers with poor credit or those declined.

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Choosing a Pay Monthly Catalogue

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

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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.

Apply for a catalogue

  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
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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.

home shopping, pay monthly, catalogue credit

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

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.

pay monthly catalogue credit limitsCatalogue 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 you may not know it, One of the main perks of Mail Order pay monthly catalogues is the ability to spread the cost, The other benefit is the Home Approval guarantee.

catalogues with guaranteed approval

Available on most of the items you order, You can return any items that are not as expected or are not to your liking.

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.

Goods you purchase through Catalogue sites come with the usual Manufacturers warranties. You can also extend the Warranties your Catalogue company.

catalogue extended warranties

Extending your Warranty can help with the cost of goods that may breakdown.

Accidental damage

Some Catalogue companies may also offer Accidental damage warranties. You can usually extend warranties or add protection from just a few extra pounds a week.

Check with your Catalogue company to see if Extended Warranties and / or Accidental damage is suitable for you.

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Catalogue Credit Limits

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

pay monthly mail order credit catalogues

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.

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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.

A guide to Catalogues with CreditThis 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 Guides

Everything you to need to know about Pay monthly catalogue credit

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Credit Checks Pay Monthly Catalogues

Summer pay monthly catalogues,, with credit

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

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.

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.

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

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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.

your pay monthly catalogue statementYou 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.

Missed repayments

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.

Catalogues for people with Poor Credit

No credit check, Bad credit pay monthly catalogues

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

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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.

catalogues for bad creditFirst 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.


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Running a NO Credit Check/Bad Credit Catalogue can hep improve your Credit rating.

Improving your chances of being successful when applying for a Prime Credit Cattalogue.


Check your Eligibility for a Catalogue

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Compare Pay monthly Catalogues with credit

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