Zilch
OFFER

Account type

Special offers

£15 off your first order

Trustpilot customer rating

Excellent: 4.6

Get £15 off your first order from 5000+ stores
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.
Yes Catalogue

Account type

Special offers

£500 Credit Line

Trustpilot customer rating

Excellent: 4.7

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

Trustpilot customer rating

Excellent: 4.7

Simply select the mobile phone you want and you can get a contract for a new mobile phone.
Poor credit history accepted.
Studio Catalogue

Account type

Special offers

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

Trustpilot customer rating

Excellent: 4.3

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.

Finding the best catalogue with credit for you

Catalogues that offer credit accounts are helpful for many people. Use our guide to learn how they work and what to be aware of when looking for the best deal.

What is catalogue credit?

Shopping catalogues are retailers that sell a wide range of goods, offering different payment methods to their customers.

Payment methods include the option of paying with a debit card, however, the majority of shopping catalogue customers pay for goods with the credit issued by the catalogue company.

Credit is an amount you may borrow from a provider with the intention to pay it all back later. With catalogue credit, you’ll be able to choose to pay your balance back using methods like buy now, pay later (BNPL) or a payment plan, paying regular weekly or monthly instalments.

Catalogues offering instant credit work like credit cards issued by banks, but the key differences include a much lower credit limit (the total amount you can borrow) and higher interest rates.

Catalogues that offer credit typically use something called revolving credit, which is where your balance rolls over into the next month until it’s paid off in full. While the money you’ve borrowed is being paid back, you’ll only be able to borrow the difference between your credit limit and the revolving amount of credit you’ve been given.

To start using catalogues with credit, you’ll need to create an account with your chosen shopping catalogue, which may involve checking your credit report.

How do credit catalogues work?

Once you have an account with a shopping catalogue and have applied for credit, you’ll be able to use your allocated credit to make purchases.

You have to be over the age of 18 to get a credit account with a shopping catalogue, and some will have other requirements, like you having a current account or regular income.

You’ll only be able to use your credit account to buy goods from the provider you’re registered with because these credit accounts are closed-loop, meaning you’ll have fewer options on where you can shop when compared to using a credit card from a bank.

When opening a credit account with a shopping catalogue,  your credit report will be checked. This is to see how you’ve handled credit in the past and could determine what interest rates you’re charged and what credit limit you’re given.

If your credit score is low, or you haven’t got any credit history, some shopping catalogues may not accept you, because you’ll be considered too high risk.

Providers will perform either a hard or soft credit check on your credit report. A hard check is when a provider looks at your entire credit report. Each time a hard check is performed, it’ll appear on your report for up to two years, and impact your report for around six months. Too many hard searches in a short time can harm your overall credit rating.

When applying for online catalogue credit, most online catalogues with credit will only conduct a soft credit check. These types of searches only look up certain pieces of information and can’t be seen by other lenders.

If you want to find out which catalogues with credit will accept you for a credit account, it’s best to make sure the providers only perform a soft check, so it won’t impact your credit report in the long run.

Too many hard credit checks on your report in a short period of time makes it appear like you’re desperate for credit and may put off providers lending you money because of it.

When you use credit to purchase an item, you’ll usually have a certain period to pay it back before interest is applied to your outstanding balance. This interest-free period varies between catalogues but is generally between one and two months.

If you pay back what you’ve borrowed within this interest-free period, then you won’t have to pay anything extra.

However, any remaining balance after this date may have interest applied to it, and this interest rate on average is relatively high around 39.99% APR.

Plus, this interest will grow and compound over time, meaning the longer you take to pay back what you owe, the more you’ll end up paying for your goods.

The majority of catalogues with credit will accept repayments in weekly or monthly instalments, allowing you to spread the cost of your purchase.

When paying back what you owe in instalments, there will be a minimum amount the catalogue will ask you to repay. This minimum amount may not always be enough to cover the cost of the interest you’ll be charged, meaning only paying the minimum amount may lead to your debt never clearing.

Here’s an example of a typical catalogue credit repayment plan:

You borrow £150 worth of credit to purchase clothing and agree to pay back £20 each month. Your plan charges you 40% APR and you’re given a two month interest-free period.

After two months of repaying £20 a month, your outstanding balance is £110. Interest will start to be charged on the £110 remaining balance, meaning you now owe £154 (£110 + 40% of £110, which is £44).

You pay another £20 for the following month, reducing what you owe to £134. Another 40% of interest is applied to that, making your new total owed £187.60.

However, interest compounds over time, meaning you’re also paying interest on the previous month’s interest. So, you’ll also need to add 40% of £44. This means you now owe £205.20 (£187.60 + 40% of £44, which is £17.60)

The following month, after your £20 repayment, your balance owed is £185.20. 40% of interest is applied to this, as well as the previous month’s compound interest (40% of £44 and 40% of £17.6). This means the balance you now owe is £283.92.

This example demonstrates how compound interest can quickly make your debt grow to a figure much larger than the amount you originally borrowed.

Compound interest is only added at the end of each instalment period in this example. Some catalogues with credit may charge interest that compounds every day, significantly increasing your debt.

This example also demonstrates how many people fall into something called continuous debt. This occurs when your repayments aren’t large enough to cover the cost of the interest you’re being charged. If you fall into continuous debt, you’ll eventually be asked to increase your instalment repayments.

It’s essential to make your repayments on time because missing repayments can negatively affect your credit report, making it harder to borrow from other lenders in the future. Some catalogues with credit may also charge late fees, and you could also be moved onto a plan that charges even greater interest rates.

Some credit catalogues that offer Buy Now Pay Later (BNPL) options won’t charge interest so these are often the best value providers because you won’t have to pay more than the price of the item.

However, these providers may still charge late fees if you miss a payment, and doing so will still affect your credit score, so they’re not entirely risk-free.

What catalogues give credit?

The majority of shopping catalogues will allow you to open a credit account to purchase goods, but it’s likely you’ll be given a limit on the amount you can borrow.

Catalogues with a credit limit will usually operate predominantly online.

You can get online catalogues with credit accounts and access to various credit payment plans from all leading catalogues, but their credit limits and terms vary drastically between providers, so it’s important to do your research to make sure you’re getting the best deal.

Can I use a credit account catalogue if I have a low credit score?

When compared to other credit lenders, such as banks, catalogues that offer credit will usually accept customers who have low credit scores.

This may be useful if you have little or no credit history because getting access to credit from a catalogue allows you to build your credit history, providing you’re responsible with when and how you pay back what you owe.

Some catalogues with credit may not accept your application if your credit report score is really poor, and providers that do offer to lend you money are likely to charge you a much higher rate of interest than their advertised representative APR.

There are credit catalogues that are specifically designed for people with bad credit and could be an option if you’re not getting accepted elsewhere. Credit catalogues designed for people with bad credit scores are likely to charge much higher interest rates than their competitors but will usually not perform a credit check for you to be accepted, instead using their own methods to check eligibility.

What are the benefits of catalogues with credit?

Access to credit

A major benefit of a credit account catalogue is they give people who are normally otherwise turned down for credit, the opportunity to make purchases and pay back what they owe at a later date.

Many people in the UK have credit scores that are too low to be accepted for loans and credit cards from banks and other lenders, making catalogues that offer credit a critical way for people to access credit when they need it.

Build credit score

Credit catalogues give those with low or no credit scores the ability to improve their credit history. If you make regular repayments on time and pay off what you owe in full, you can prove you’re a reliable borrower and build your credit score.

Boosting your credit score may make it easier to get accepted for other credit products, such as credit cards, loans and mortgages in the future.

Credit catalogues could also harm your credit score if you don’t use them responsibly. If you do not make payments on time or miss them completely, your credit score could be impacted, so it’s important to keep up with your repayment plan.

Spread the costs

Large purchases can be difficult for people to afford, particularly if they haven’t budgeted for it – for example a washing machine breaking down and needing to replace it. Credit catalogues allow you to spread the cost of your items over a period of time, helping you to better afford unexpected or large purchases.

Spreading the cost of your purchases doesn’t reduce the total cost of the item, but paying it off in instalments can make it more affordable, giving people the ability to buy essentials they may need.

What are the disadvantages of online catalogue credit?

Minimum spend required

Many shopping catalogues with credit only offer credit payment options if your purchase costs more than £150. This will vary between providers.

Many customers who shop using catalogues do so because they want to take advantage of the credit payment options. Putting an upper limit on getting access to this credit may mean customers spend more than they can realistically afford just to be given the option to pay at a later date.

If you want to use this method of shopping it’s vital you know how you’re going to pay back anything you borrow and have a sensible plan to pay back what you owe.

Large interest rates

Shopping catalogues with credit charge interest rates that are larger than other credit providers. This can significantly increase the total amount you have to pay back and prolong your repayment plan.

If your repayments aren’t large enough to cover the additional interest charged, you could also fall into continuous debt. This is where your repayments don’t cover the cost of interest, leading to a never-ending repayment plan.

You’ll eventually be asked to increase your repayment instalments if this happens to you, but it’s always best to recognise when this is happening and offer to up the amount you repay before this happens to reduce your debt quicker.

Pay more than what was borrowed

Because catalogues charge you interest on any money you borrow, you’ll likely have to pay more for your goods than what they are worth.

Unless you fully pay back your balance within your interest-free period, interest will compound and the amount you owe will grow with every passing instalment period.

This can contribute significantly towards the total amount you have to pay back, and it’s not uncommon for the amount you end up paying to be double the original amount you borrowed.

Catalogues with Credit FAQs

Do credit account catalogues charge interest?

Catalogues that offer credit accounts will typically charge interest on the money you’ve borrowed. The average interest rate is 39.99% APR, which is significantly higher than the cost of other forms of borrowing. 

Some catalogues may offer interest-free periods, which means if you pay everything you owe back before the interest-free period ends, you won’t be charged any interest on top. Any remaining balance you have after this period will have interest applied to it. The longer you take to pay off your balance, the more interest you’ll pay.

What happens if I miss a payment?

If you miss or are late for one of your repayments, you’ll likely be charged a late payment fee. You’ll be charged this fee every time you miss a payment. 

As well as this, if you miss a payment while in your interest-free period, you’ll likely be moved to a repayment plan that charges interest and you’ll start paying interest earlier. There’s also a chance your plan will be switched to one with even higher interest than originally advertised. 

Missing a payment could also negatively affect your credit score, making it harder for you to get access to credit in the future.

Will using a catalogue help build my credit score?

If you responsibly manage your catalogue credit account by making your repayments on time and by staying well within your credit limit, your behaviour will be recorded in your credit report, helping you to maintain a positive credit rating and you may notice your score will improve over time because of it. 

By keeping up with your repayments, you’ll be able to demonstrate to lenders you’re a responsible borrower. 

Despite being able to help you build your credit history, you can also damage your credit score if you mismanage your catalogue credit account. Missing payments may harm your credit score, making it more difficult to borrow from lenders in the future.