Bad Credit Catalogue Guide

Yes Catalogue - All Your Needs - Over 80,000 products

Yes Catalogue - All Your Needs - Over 80,000 products

  • £ 1,200 in Credit
  • All Credit Types Considered
  • Set Weekly Payment Dates
  • Easy To Use
  • 80,000 Products To Browse
Accepted Catalogue - Get What You Want in 3 Simple Steps

Accepted Catalogue - Get What You Want in 3 Simple Steps

  • £650 Credit
  • Get your goods in 3 simple payments
  • Set your own bi-weekly payment start date
  • Credit subject to status
  • Over 80,000 of your favourite branded items to choose
  • Loyal customers get next day dispatch
Flava Home - The hottest tech & gadgets - One weekly payment - Simple application

Flava Home - The hottest tech & gadgets - One weekly payment - Simple application

  • Up to £500 Catalogue Credit
  • The hottest tech & gadgets
  • One weekly payment
  • Simple application
  • Free delivery available
  • Hundreds of your favourite brands
  • Low weekly repayments
Sunshine Mobile - UNLIMITED data PLUS a FREE* iPhone 15

Sunshine Mobile - UNLIMITED data PLUS a FREE* iPhone 15

  • UNLIMITED data PLUS a FREE* iPhone 15
  • UNLIMITED Data, Texts & Minutes
  • FREE* GALAXY S22 with the 50GB Airtime Plan
  • Handsets are now 100% FREE*
  • iPhone 15, iPhone 14 Pro, Galaxy S23, Galaxy Z Flip 4
  • ALL credit types welcome
  • Avoid the credit checks required by the mobile networks

*Handset loaned at no additional cost

The Yes Network - NO CREDIT CHECK = no problem 2 Months UNLIMITED Sim Only then a Guaranteed Upgrade to a New Phone

The Yes Network - NO CREDIT CHECK = no problem 2 Months UNLIMITED Sim Only then a Guaranteed Upgrade to a New Phone

  • No Credit Checks Required
  • Guaranteed Upgrade after 2 months
  • The Yes Network says 'YES' to everyone!
  • Poor Credit History is WELCOME
Flava Groceries - Food Shopping on Credit

Flava Groceries - Food Shopping on Credit

  • Spread the Cost of Your Shopping
  • Daily Deals
  • Simple, Flexible & Affordable payments
  • Huge Range of Grocery Products
  • Delivered to your door
  • No Late Fee's - 0% APR

For individuals facing credit challenges, catalogues for bad credit offer a viable shopping solution without stringent credit checks.

It is possible that you have applied to catalogue companies, only to have your application denied due to a bad credit. This can be frustrating. Everybody deserves another chance.

It makes sense if you stop and think about it. Credit history is a record about how you manage your finances and your ability to repay credit/finance. If you have been late on payments a lot, it could be a sign that you are unable to repay financial obligations.

Catalogue companies prefer people with perfect credit histories. Would you lend money to someone you know has had trouble repaying the loan in the past? Most likely not. Similar with these catalogue companies.

Are we all doom and despair?

Nope. Even if your bad credit is not perfect, you can still get home shopping catalogues. Take a look at the links below to see which brands are available.

Bad Credit Catalogue



There are many forms of catalogue for bad credit. It can be difficult to choose the right credit for you. These are the most important:

  1. Personal Account Catalogue: The majority of online bad credit catalogues offer personal accounts. Some have one catalogue, while others allow for access through affiliation. These accounts often offer monthly payments.
  2. Instant Credit Catalogue and no credit check: After you have opened an online catalogue account, a credit screening will be performed. Once approved, you will be given a credit limit to spend your first purchase. This is only after you have been deemed eligible and passed their criteria. You will have instant credit once you are accepted. Opting for no credit check catalogues can provide immediate access to essential goods without impacting your credit score.
  3. Interest-Free Credit: Interest-free credit means you won’t pay interest if the balance is paid in full. To understand what to do if you default on your payment, it is important to read the interest rates terms for the particular catalogue you are using. This depends on your credit eligibility.
  4. Buy Now Pay Later: Catalogues may sometimes offer buy-now-pay later accounts for people who have higher personal limit accounts. You can defer paying them up to one year. This credit type is not available to those who have not so bad credit ratings or with a reputation for maintaining a catalogue.

    This means you will pay the goods in full at the agreed time with no interest or in instalments with interest added

    This option allows you to purchase the item you want now, and spread the repayment cost over a period of time or years. You can avoid paying more for goods by paying the full amount before the due date. There are no interest charges. These offers are rare so you should be alert for them.
  5. Bad Credit Catalogues: Bad credit catalogues are online platforms that offer a wide range of products, allowing you to shop now and pay later. These catalogues are designed to help individuals with poor credit histories by providing flexible payment options without requiring stringent credit checks.
  6. Pay Monthly Catalogues: Many pay monthly catalogues provide flexible payment options, allowing you to spread out costs over time.
  7. Guaranteed approval catalogues: With guaranteed approval catalogues, you can confidently apply knowing your approval is almost certain.

    You should note that the lower your credit score, the higher your interest rates will be and the less credit check you will receive. If you have bad credit, there are many bad credit catalogues that will consider you as a guarantor. After you’ve repaid several items on-time, future lenders might be tempted to extend more credit.


Catalogue credit can be a great way to shop even if you don’t have the funds. It is also very affordable. Here are some top benefits of catalogue shopping.

  • It allows you to make unexpected and urgent expenditures. Sometimes, we are faced with an unexpected and urgent expense. Some expenses cannot be delayed, but you have a tight budget so the chances of paying are slim. Perhaps you were hoping for a mature cheque so that you could buy a graduation suit. But the cheque bounces at the last moment. What should you do? One option is catalogue credit. Catalogue shopping allows you to purchase the item later and is a great way for you to buy items you don’t have the budget for.
  • Flexible and spread-out repayments are possible. Shopping can be expensive, no matter if you’re buying school uniforms or shoes. Money is not enough to cover the cost of shopping. You can choose to buy now and pay later. Catalogue shopping allows you to spread your expenses over multiple payment periods so you don’t have to pay everything at once.
  • You can save even more money by signing up for it. Many credit catalogues offer attractive incentives to encourage you to sign up. These incentives are often in the form free delivery or money off. These offers can be used to save money. These offers can be used to save money. You can also sign up for other companies that offer interest-free periods.
  • Tip: Search for catalogues that offer the best incentives for people with bad credit. You could end up paying less.
  • A low credit score is no problem. It can be hard to get a loan or credit card from a bank if you have poor credit score. However, this should not stop you from using a catalogue credit. Look for catalogues with bad credit ratings if you have low credit scores. They accept everyone, even those with poor credit ratings. You can shop with a bad credit catalogue.
  • This is a cheaper alternative to expensive loans. Many people believe that a loan is the only way to go. However, some loans are very expensive and could end up costing you a lot more. Catalogue credit may be a better option because you can buy the item with this credit and still pay for it.
  • There are many benefits to catalogue shopping. It will allow you to purchase the items that you need immediately and also make it easy to pay for them.
  • Using these catalogues responsibly can help you rebuild credit and improve your financial standing.

Now that you are familiar with the benefits, let’s talk about the drawbacks.



There are some downsides to using credit catalogues, as with all types of credit.

  • Items can be more expensive due to interest. Although spreading the cost of an item can make it more affordable, it can also mean that the interest paid can result in a higher final cost. You can still take advantage of the 0% interest-free repayment period. A shorter payment period is also an option.
  • It is possible to forget to pay your repayments on time. Most repayments are made weekly or monthly. Credit catalogues make it much easier to repay. You may neglect to pay your bills on time which can lead to higher costs. Credit catalogues make repayment easy.
  • This encourages impulse shopping. It is easy to spend too much on catalogue shopping. Nobody likes to be denied the chance to purchase the perfect item, even if they have already bought it. The spread-out repayment period makes it affordable, even if you purchase too much.
  • There are many benefits to catalogue shopping, but it is important to remember these downsides to avoid falling for those pitfalls. Overall, however, catalogue credit is more advantageous and better for your shopping. That’s why it’s so popular.


Are you looking to upgrade your washing machine? Or do you want to purchase a new pair of shoes? Do you need a home theatre system to enhance your living space? You can shop online for items that you are interested in but don’t have the money.

Online purchases allow you to order items and have them delivered straight to your door.

A personal account, sometimes called a credit card account, can be opened and used to pay for items over a period of weeks or months. Not all catalogues offer a personal account.

You will receive your accounts statements each month. To keep your account active, you must pay a minimum amount.

When you open a catalogue account, you will receive a credit limit. Only items can be purchased that are equal to your credit limit.

Your personal credit rating and the company you approach will determine your limit. A credit limit that is higher for people with excellent credit will be granted than those who have poor credit. You will pay slightly more if you shop by catalogue unless you pay within the 0% interest rate period. Many catalogues offer payment options on a pay monthly or weekly basis.

To open a catalogue credit account, you must have reached 18 years of age and reside in the UK. Your credit rating and ability pay are factors that will determine your credit limit. Before signing up, be sure to review the terms and conditions for your catalogue credit account.

How to Choose the Right Catalogue

Choosing the right catalogue for bad credit involves considering several factors:

  • Product Range: Ensure the catalogue offers the products you need, whether it’s clothing, electronics, or home appliances.
  • Payment Terms: Look for catalogues that offer flexible payment options suited to your budget.
  • Approval Rates: Catalogues like BrightHouse have high approval rates, making them ideal for those with very bad credit.

Tips for Responsible Shopping

  • Set a Budget: Determine how much you can afford to spend each month and stick to it.
  • Compare Options: Look at different catalogues and compare their interest rates and payment terms.
  • Make Timely Payments: Ensure you make your payments on time to avoid additional fees and improve your credit score.

Top Catalogues for Bad Credit

Here are some of the top catalogues that cater to individuals with bad credit:

  • Bon Prix: Offers a wide range of fashion items for women, men, and kids. Enjoy 25% off your first order and flexible payment options.
  • Marisota: Specializes in plus-size clothing for women. Offers easy sign-up and multiple payment methods.
  • Freemans: A one-stop online store for fashion and home equipment. Provides a buy-now-pay-later option and multiple ways to manage payments.
  • Simply Yours: Known for plus-sized undergarments and other clothing, offering a 10% discount for first-time customers.

Let’s now look at some frequently asked questions regarding catalogue shopping.

Benefits from buy now pay later


How do I apply for a catalogue credit account?
Once you have identified the item that you are interested in, add it to the shopping cart and click checkout. Next, you will be able to apply for a catalogue account. After submitting some information about yourself, you will receive an instant decision on whether you have been approved for credit and the limit.

What do I need to get a credit?
When applying for catalogue credit, you will need to provide basic information like your full name, address, and date of birth. To confirm that you are the original address, you might be asked for additional information, such as your full name, date of birth, and address.

Fill out your basic information carefully. Incorrect information or failures to answer questions could make you unqualified for credit, or even delay your credit.

Can my credit score and history be checked before I open a catalogue account?
Yes. Before setting a credit limit on your account, all catalogue companies verify your identity and check your credit score.

The catalogues won’t lend to unreliable candidates who are likely to fail to repay the loan, but they must follow responsible lending guidelines, which include credit checks and identity verification.

You can increase your chances of being accepted by the government and get higher limits by making sure that you are on the voters’ list.

How do I find out if I am approved?
It all depends on which catalogue company you are dealing. Some catalogue companies will respond immediately, while others may take several hours to send you an email. Remember that not all catalogues will approve or reject applications right away.

You can still order and check out even if your credit has been denied. A credit underwriter will review your information to determine if you are eligible for a lower credit limit. Within two days, you should receive an email notification regarding your credit status.

How is my catalogue limit determined?
When determining how much credit you can get, catalogue companies take into account a variety of factors. Your credit score, employment status, area of residence and any outstanding debts are all factors that will be considered when determining how much credit you can get. After approval, you will receive a credit limit. This is the maximum amount that you can spend on your catalogue credit account. You can limit your credit to between £100-£1000.

All of the above factors are important to ensure that you can pay your bills on time.

Is it possible to apply for a different catalogue with another company?
This will depend on the company. Many catalogues only allow one household to apply. You can still be approved by another catalogue company, even if you’re registered with another company.

One thing to remember is that every time you request a catalogue, a search will be run on your credit history. A lot of searches can adversely affect your credit score. It is best to not submit more than one application per six months to keep your credit score safe.

Before applying for multiple catalogues, ensure that you can afford all of your expenses.

What are the best ways to increase my chances of getting approved?
Yes. To increase your chances of approval, there are several things you can do. You must ensure that you fill out the basic information correctly and answer all questions. Your application may be declined if you provide incorrect information or miss the question.

To avoid being denied, you should avoid buying a high-priced product on your first order. To increase your chances of approval, keep your first order within the £100 to £150 range. To increase your credit limit for future orders, make sure you pay promptly.

Can I get approved even if I have bad credit?
Yes/No. It depends on the company. Although it is unlikely that you will get a credit limit, there are some companies that may be willing to assist. You may be approved by some companies more easily than others depending on what factors they take into account. Companies that offer catalogue credit to those with a bad credit history should be considered.

Although your initial credit limit may be small, you can increase it by making multiple purchases and repaying them within the time frame.
It is important to make timely payments if you have poor credit ratings or a low credit score.

How can I pay for items I purchased on credit?
There are two options for repayment.

Use your debit or credit card to pay the entire amount in the 0% interest-free period

Spread the cost with your credit cardThis option allows you to pay for your items over several weeks or months. You can choose to pay your bills weekly or monthly, depending on what the company policy is.

You have the option to pay through a credit card. However, this will incur a small amount of interest that is multiplied with each payment. This is how these companies make their profits. To find the best options for you, make sure to review the terms and conditions for the catalogue company.

Catalogues are a popular choice for many people because they offer convenience and flexible payment options, especially for those with limited budgets.

Some products are too costly, so customers tend to spread the cost of these items around to keep their budgets in check.

What do I have to pay for catalogue for bad credit repayments
Costs vary depending on which company you work for, but most companies will require a minimum monthly payment of approximately 5% of the outstanding balance.

If you buy goods worth $100 you will need to pay $5 per monthly. Therefore, the faster you pay off the debt the lower the interest.

Even better, if you pay your monthly obligations on time, you have a greater chance of being approved for credit limit increases. This will allow you to spend more and improve your credit rating.
Before you sign up for the catalogue, it is a good idea to read through the terms and conditions.

Can the catalogues help me improve my credit score?
The straight answer to your question is yes. To improve your credit rating, however, you will need to prove that you are able to buy goods on credit and pay back in full. To keep your credit rating high, you’ll need to shop from as many catalogues as possible.

You may also be subject to delinquency if your account is not paid on time. This could negatively impact your credit score.

What happens if I forget to pay my bill?
You must keep up with your monthly payments, especially when you are using catalogue credit. Late payments can have a negative effect on your credit score. In addition, late or missed payments may remain on your credit report for six years. This could impact your ability to borrow money.

It’s always a good idea to contact the company if you see trouble with a payment.

You may experience difficulty making payments occasionally, as you might expect. Many companies will help you resolve your financial problems and maintain your account in good standing.

If you miss or make periodic late payments, your credit score may be affected and you may request a full refund. Even worse, your account could be sold to a collector. This can lead to even more serious financial problems. You may find yourself in serious financial trouble if you don’t pay your owed amount.

What if I cannot pay the debt off?
Do not ignore the problem. You may be increasing your interest rate by not paying, which could lead to a court case or severely damaging credit ratings. Talking to the company is the best way to make a decision. The company will usually work with you to arrange a repayment plan over a longer period. The company may only freeze your account if you don’t pay the debt.

What legalities must I understand?
Each company has its own terms and conditions. It is a good idea to have a copy of the T/C as well as the APR rates printed after you approve. Take the time to read them carefully and be aware of possible outcomes.

What if I don’t love an item?
People have concerns about online shopping because they are unable to handle items and goods they can’t see with their eyes. You might be apprehensive about buying an item online, as it is possible to not get the quality you want. Clothing is one example. It is difficult to get the same fit online as in high-street stores.

What can you do to solve this problem?
Most retailers offer sizing guides that can be used to help customers choose the right size. It’s easy to buy something that you don’t like. While each company has its own refund policy, the majority of companies will allow you to return an item that you don’t love for a new one if you aren’t satisfied. Some companies won’t pay for return shipping costs. To see the company’s return policy, you can review their terms and conditions.

What should I do if my catalogue is denied?
You should check your credit reports to verify all information and correct any errors. Credit reports may contain misleading information that could impact your rating.
These are some things to keep in mind:

Verify that you are registered to vote on an electoral roll.

You should check whether there is a County Court Judgment that stays for six years, even if the debt is paid.

Verify your credit file for any defaults.Even if your credit score is good, but your income is not sufficient, you might still be responsible for money and can appeal to the catalogue company.


Credit accounts are becoming harder to find in today’s economy. There are many reasons for this. First, the economy is becoming increasingly volatile. The second is that the cost of living keeps rising. It is becoming increasingly difficult to make ends meets by finding other ways to sustain our purchases, especially when we move house or start a new job. Buy now and pay later catalogues are a popular option.


A catalogue-based credit option is called “Buy Now and Pay Later”. The catalogue contains a variety of products that the consumer can browse. The consumer then selects the products that interest him. They are not required to pay the full amount at the time they purchase the items. They are instead given a grace period, which allows them to use the goods and pay later. Each company has its own terms and conditions so it is important to check with the seller before purchasing.


This method of buying goods is not new. It has been around for a while. The rise in online shopping has led to its popularity. People used to have to rely on offline strategies in the past. People are choosing this approach because of increased competition, better IT skills, and the slump in the UK’s economy. The customer is now more educated and the variety of products has increased.


Each company will have its own rules and regulations about what makes someone creditworthy. A majority of companies require that an applicant be at least 18 years old. Prospective customers must have a UK residence. This is slowly changing and customers from other countries are being accepted. Checking credit history is another consideration. People with excellent credit ratings are usually offered better terms, such as a longer repayment term and a lower interest rate. Poor credit might make it impossible for you to apply or require that you pay a deposit. You may be offered a shorter repayment term and a higher interest rate.


These services are offered by more companies every day. Customers can now purchase products much more easily and conveniently thanks to this service. The products include furniture, clothing and electronics. Argos is one of the most well-known companies.


It is important to do your research on the companies that offer this option in order to reap the maximum benefits. It is easier to do this now that there are reviews and online discussions about these companies. When searching for the best deal, you should consider credit policy, repayment terms, shipping terms and flexibility of payments. Also, think about whether there are any interest-free days, mail order accounts, returns free of charge, or other factors. The following are some of the benefits of using catalogues:

Credit Rating: Companies report payments to credit agencies. A better credit history is achieved by timely payments.

Instant access: The consumer can purchase and use goods right away. Many companies offer next-day delivery to most locations.

You can build credit by using these credit catalogues.The new shopping trend of buy now, pay later has brought about a revolution in the world of shopping. Even if you have financial limitations, it is now possible to purchase goods online. You can also shop from your office or home. You only need to go to the company’s website and choose the items you desire.


Every modern consumer is embracing online shopping. Credit catalogues allow you to purchase now and pay later. It is a great way to purchase items that you desire using monthly and weekly credit catalogues.


However, it is important to consider whether you can make your payments on the due date. If you’re unsure, avoid using credit catalogues.

You can still enjoy the convenience of credit catalogues if it is an option.