Studio Catalogue

Account Type

Special Offers

Free standard delivery on new customer credit orders over £20. Representative 39.9% APR Variable

Only valid on new customer first credit orders, when opening a Studio Pay Credit Account. Credit subject to status. Over 18s only. Cannot be claimed in conjunction with any other offer. Free delivery offer excludes larger items. The offer is single use only. Studio reserve the right to withdraw the promotion at any time, without prior notification.

Pay Zilch

Account Type

Special Offers

£10 worth of Rewards once you've made your first purchase

Pay 25% of the purchase price at checkout then pay the rest in three instalments over six weeks. Zero late fees and 0% APR at all eligible stores, or use Zilch Anywhere for a small fee at non eligible stores.

Amazon

Account Type

Special Offers

Spread the cost of Amazon purchases over £100 across fixed monthly payments

Instalments by Barclays is a reusable Amazon credit account that lets you spread the cost of purchases over £100 across fixed monthly payments.

Yes Catalogue

Account Type

Special Offers

£500 Credit Line

No late payment fees, flexible payments (you choose when to pay) and a huge selection of products.

Accepted Mobile

Account Type

Special Offers

5gb, 7gb, 9gb from £25 per week

Simply select the mobile phone you want and you can get a contract for a new mobile phone.

Poor credit history accepted.

Hughes Electricals

Account Type

Special Offers

0% interest for 4 months on products over £99

Free Delivery on selected items. Flexi-Pay - Spread the cost with finance. 14 Day Returns - Full refund on returns within 2 weeks. 4.7 star reviewed on Trust Pilot.

Rental option available.

Argos

Account Type

Special Offers

Up to 12 months to pay on qualifying items

Spread the cost with a credit plan, flexible payment options that give you longer to pay. Full refund on items returned within 30 days of purchase.

Very

Account Type

Special Offers

Take3 - Pay for purchases over 3 months

Very Pay gives you the choice to pay now or later, spread the cost over 3 months with Take3 or delay payment for up to 12 months with buy now and pay later.

Littlewoods

Account Type

Special Offers

10% of your first credit order when you open a Littlewoods Account

Littlewoods offer a choice of ways to pay, spread the cost between 20 weeks and 4 years, or delay payment for up to 12 months with buy now pay later.

Kaleidoscope

Account Type

Special Offers

Pay nothing for 5 weeks with your first order

Shop now and pay later with a flexiway account. Full refund on items returned within 14 days.

Currys PC World

Account Type

Special Offers

Price matching, Free delivery on all orders

Spread the cost 24.9% APR Representative (Variable). Credit available on all purchases from £99. Credit subject to status. DSG Retail Limited acts as a credit broker and not as a lender.

Choose a payment term that suits your monthly budget, from 12 to 36 months. Take advantage of special offers including buy now, pay later and interest free credit.

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A Guide To Catalogues With Instant Credit Accounts

The rise of e-commerce has put many brick-and-mortar shops out of business. No matter how positive an experience entering a shop can be, it’s hard to compete with the ease and affordability of online shopping.

What kept many people from committing to online shopping, the shipping fee, has been eliminated by numerous online shopping and catalogue sites that offer their customers free shipping with a purchase over a certain amount.

Although online shopping has been gaining steadily in popularity over the last couple of decades, it is still a relatively new thing for many people, and for those just entering the world of online catalogue shopping, it can involve a bit of a learning curve. This guide to instant credit catalogues can provide you with all the information you need to make an informed online catalogue shopping choice.

What Exactly is a Catalogue Instant Credit Account?

When it comes to online credit catalogue shopping, understanding what the process involves and how to make your choice of where to shop is key. While many online shoppers approach an online catalogue as something to browse through and shop from, what they are really in need of is a credit catalogue.

A credit catalogue is a shopping option whereby you can shop to your heart’s content and not have to pay the full amount at once. Most have a variety of payment options to suit several budgets and finances.

Instant Catalogue Account Payment Plans

One way to help narrow your options of which catalogue to shop from is to check out their payment plans and policies before committing to ensure they suit your needs.

If you are looking for short-term credit, there are several catalogues that allow customers to enter a weekly or monthly payment plan. These options are good for someone who has a steady influx of funds to continuously pay down any accumulated shopping debt, but who might not have the full amount at the time of shopping.

Delayed payment is another popular option, and there are catalogues out there that allow you to collect your goods without paying for as long as a year. One policy to investigate with this option is when interest starts to accumulate and how much the interest rate is.

If interest starts accumulating one month into the one-year period, the amount you got credit for will be significantly higher to pay back at the end of the payment-free period. Remember “payment-free” doesn’t necessarily equate to “interest free.”

How Do I Apply for a Instant Catalogue Credit Account?

Once you find a credit catalogue you are interest in shopping from, the application process is generally very simple.

One thing that many people don’t realize is that approval isn’t guaranteed. Remember, getting credit from any institution or company is like borrowing money, and any smart lender wants to ensure their borrowed money can and will be paid back.

Your Credit Rating

Your credit rating is an important part of many credit catalogue approval processes. While many won’t accept an application if a person has a poor credit rating, there are catalogues known as ‘bad-credit catalogues’, and for someone with a bad credit score, these catalogues are your best bet.

There are also instant credit catalogues that advertise their application process with no credit check, and this is another option for those with dubious credit histories.

The downside to applying to instant credit catalogues that accept those with bad credit is that they view these customers as ‘high risk’, which means repayment at a higher interest rate.

For those with no credit issues, applying is a snap and most often involves entering some basic information such as full name, date of birth, address, phone number, e-mail, and fulfilling the requirements of their credit check request. Most often, credit is approved or denied within only a few minutes. Once your account is approved, you can start shopping immediately.

What Types of Instant Credit Catalogues are There?

When it comes to credit catalogues to peruse through at your leisure, there is basically any type you can imagine:

  • Home décor
  • Gardening
  • Products
  • Furniture
  • Electrical
  • Appliances
  • Furniture
  • Clothing
  • Toiletries
  • Tools
  • Hobby
  • Crafting

The Shopping Process

Once you have chosen your desired instant credit catalogue, have applied for a credit account, and have been accepted, the only thing left to do is shop.

Online credit catalogues have a simple online shopping process supported by user-friendly sites and simple-to-follow instructions.

Once you find an item you would like to purchase, click on it and read all pertinent information such as sizes, quantity, colours, measurements, etc.

Most often there is an ‘add to cart’ or ‘purchase now’ option, and that simply means adding an item to your virtual shopping cart to pay for when you are done your shopping session. From your ‘cart’ page, there is generally a ‘return to shopping’ option that you can click on to continue shopping and adding or removing items from your cart as you go.

Can I Return Items to a Instant Catalogue Credit Account?

Credit catalogues make their bread and butter off keeping their customers happy, which is why they often have excellent shipping and return policies in place.

A reputable credit catalogue will provide a customer service number to assist with FAQs or return policy questions. Most catalogues accept items that are shipped back to them in saleable condition and will provide your account with a full credit reversal.

Make sure to check the return policy before you purchase an item.

There are an also a number of sites out there that review online credit catalogues, and this is a good option to gauge the experiences of others with catalogues you are considering committing to.