Click on any of the below catalogues, to request their latest catalogue or to shop their latest offers online. All of the below offer credit

Catalogues For Bad Credit

The best bad credit catalogues

The UK has plenty of retailers and catalogues for people with bad credit. In fact many of the catalogue retailers found on this site, have easier credit policies than many other organisations that offer finance, so getting a credit account even with a poor credit history might not be as hard as you think.

There is no such thing as a universal acceptance rate, so your credit history may allow you to set up an account with certain catalogues whilst being rejected by others. The key is to try many of the different catalogues that offer credit, but also to look at our section on how to improve your credit score.

Having a poor credit history should not stop you from online shopping and getting the products you want. Catalogues that offer credit are looking for signs that you are prepared to keep repayments up, so by paying items off regularly will start to turn your credit history around.

Bad credit catalogues will still conduct a credit score on you when you apply for a catalogue credit account, but are more likely to accept you as they have a higher tolerance. Interest or late payment charges may be higher to cater for the higher risk, but as long as you keep up the minimum payments and pay in a timely manner you will not see any of these higher charges. In fact the credit limit with a catalogue account will generally rise once you have proven you can make the weekly or monthly payments.

Your credit score is impacted by lots of different things, such as loan payment history to the kinds of debts you have acquired. From this a credit score is created. This is usually between 300 and 850. The higher the score the more dependable you will appear as a borrower. A score of 675 or less can sometimes effect your chances of getting a loan or a mortgage, but usually not impact your chances of getting a credit account with any of the pay weekly catalogues, pay monthly catalogues or buy now pay later catalogues.

Some of the only things catalogues for bad credit make mandatory is the fact you are over 18 and have lived in the UK for 3 years. With Finance hard to come by, Catalogues which give instant credit to people with poor credit should be looked at positively.

Setting up an account doesn't cost anything and any charges for credit scoring are met by the retailer, so you really don't have anything to lose. With many of the Catalogues for Bad Credit now offering significant discounts and promotions there really isn't a better time to start shopping. Buy Now Pay Later is definitely a good choice.

We have picked some of the best UK catalogues for bad credit who have a great record of accepting customers with bad credit, and have split them by offering

We also have looked at some of the best online retailers who will accept customers with a bad credit history. These retailers will allow you to purchase Electricals, Furniture, Jewellery amongst others on finance, even when you think you've got a poor credit background.

The below online retailers have a fantastic track record of approving customers for credit, irrespective of credit history. They also allow you to spend across everything from electricals and appliances right through to fashion and homewares, making them great one stop shops that allow you to buy now pay later.

With one of the most up to date fashion ranges on the web, Look Again always have some of the top names on line. With over 100 brands you can be sure of high quality products, as well as having the opportunity to buy now pay later.

Brighthouse is the UK's largest weekly payment retailer. By paying off your purchases on a weekly basis, you can make all your larger purchases more affordable. Unlike a lot of catalogues, Brighthouse don't offer credit based solely past credit history. As well as weekly payment terms, they also offer pay monthly and pay fortnightly terms. Specialising in electricals and appliances, they are the perfect place for household purchases.

This is a new catalogue, which combines the ranges of Empire Stores, Great Universal and Kays Catalogue. There latest offers include 10% off 1st Orders and buy now pay nothing for 12 months on orders of £50 or more. They also offer 4 years interest free credit on their furniture range. As they say, life is easier when you spread the cost.

Offering Free Delivery and Free Returns, Littlewoods have a fantastic range of fashion for all the family, as well as electricals and homewares. Buy now and pay nothing on all orders over £50. The Littlewoods site is one of the easiest ones to use, and they make it really simple to understand repayment terms.

The Range are a tremendous retailer for all things home, leisure and garden. They have tremendous deals and allow you to pay for your purchases on credit, and repay them over time. A great way to shop, and you can manage your account online. The Range is recommended for all your home and electrical purchases. Why wait?

With Freedom Finance you can apply for a loan with their quick and easy application. It only takes 2 minutes to complete, and you could have money in your account faster than you thought.

You can buy now pay later with all catalogues listed on this site, so start shopping today