A Guide To Shopping Catalogues For Bad Credit

A Guide To Shopping Catalogues For Bad Credit

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Buy now pay later and pay monthly options available from top catalogue brands

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Compare Catalogues With Instant Credit Accounts

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Studio Catalogue

Credit Check?

Yes

Representative APR

49.9%

Special Offers

Free delivery on first orders

Shop and save now - with free standard delivery on first orders - Get up to 70% off 1000s of products - *Credit is subject to status. When you satisfactorily complete our identification, verification and credit checks, we'll give you a credit limit.

Example credit limit of £500: If you make purchases up to the full amount of this credit limit, then assuming you repay your outstanding balance over a 12-month period by equal instalments (first instalment within 1 calendar month), and any interest rates remain the same throughout this period,our total charge for credit under this agreement will be £118.35 so the total amount payable will be £618.35

Savvy Benefits Card

Credit Check?

No

Representative APR

Creditline provided by third party

Special Offers

Guaranteed £2,500 credit line

One off sign up fee of £29.99 and a monthly recurring billing amount of £14.99.

Guaranteed £2,500 Credit Line (Credit Line provided by a third party companies and not by Savvy Benefits Card).

Ace Catalogue

Credit Check?

Yes

Representative APR

49.9%

Special Offers

Free delivery on first orders

Shop and save now - with free standard delivery on first orders - Get up to 70% off 1000s of products - *Credit is subject to status. When you satisfactorily complete our identification, verification and credit checks, we'll give you a credit limit.

Example credit limit of £500: If you make purchases up to the full amount of this credit limit, then assuming you repay your outstanding balance over a 12-month period by equal instalments (first instalment within 1 calendar month), and any interest rates remain the same throughout this period,our total charge for credit under this agreement will be £118.35 so the total amount payable will be £618.35

La Redoute

Credit Check?

Yes

Representative APR

39.9%

Special Offers

Free delivery

Credit Account Offer: Free Delivery + Up to 40% Off Fashion & Footwear + 25% Off All Homeware

Credit Account example: cash price and amount of credit £500. Representative 39.9% APR variable. Interest rate 34.1% variable. By applying for a credit account you consent to a credit search. We may restrict or refuse orders and / or applications.

Next

Credit Check?

Yes

Representative APR

22.9%

Special Offers

*£10 off your first order only

*£10 off your first order only. Minimum order value £15 after other discounts have been applied, excludes delivery and nextunlimited subscriptions.

Representative 22.9% APR variable. Credit subject to status and approval. UK residents aged 18 and over. This offer is only available to new customers opening a nextpay account online and may be withdrawn at any time.

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A Guide To Shopping Catalogues With Credit

Offered by many retailers including technology, homeware and fashion retailers, catalogues with credit allow consumers with and without poor credit scores to purchase goods on credit. These catalogues offer an interest-bearing payment option called Buy Now Pay Later payment option. The credit period typically ranges anywhere from 6 to 12 months.

Very catalogue, for instance, allows you to pay off your catalogue debt after 6, 9 or 12 months. What’s more, these catalogues offer weekly or monthly payment options, meaning you can stagger your payments over the repayment period. With that in mind, here is a detailed look at bad credit catalogues.

Types of Buy Now Pay Later Catalogues

There are two main types of buy now pay later shopping catalogues: bad credit catalogues and no credit check catalogues. The main difference between these two types of catalogues is the former considers a person’s credit history, whereas the latter does not consider a person’s credit history. To put it another way, your credit score must be high enough to qualify for a bad credit catalogue.

On the other, when you apply for a no credit check catalogue, the shopping catalogue company will not run a credit check on you. That said, you can use either of these catalogues to buy goods on credit and more importantly, rebuild your credit.

However, to benefit from these catalogues, you must pay off your account balance on time and crucially, never fail to make a payment. Fortunately, most of these catalogues have a minimum monthly payment, which is typically less than £10. What’s more, if you meet your payment obligations, the catalogue company may reward you with a higher credit limit.

Catalogues With Instant Credit – The Application Process

At this point, it is worth noting that you should pick a buy now pay later catalogue based on the frequency of your income. This means that, if you receive your income weekly, then you should choose a weekly catalogue. On the other hand, if you receive your income monthly, then a monthly catalogue would be ideal for you. At the same time, you should also consider the repayment terms because they typically vary from one retailer to another.

Once you’ve picked a catalogue, go ahead and sign up for a personal account. At this stage, the catalogue company will require you to provide your personal details including your name, date of birth and address. Ensure you provide the correct details because if you provide incorrect personal details on your application, such as the wrong date of birth or fake name, the catalogue company may report you to the fraud prevention service (Cifas).

Once you submit your application, the catalogue company will run a credit check on you and depending on the results of the credit check, accept or reject your application. This step typically takes no more than one minute.

If the shopping catalogue company rejects your application, you should confirm that your credit details are current and correct, you are meeting your debt obligations on time and your name appears on the electoral register. At this point, it is important to note that different credit reference agencies may have different data on you.

For this reason, you should get in touch with all of them to get a full view of your credit situation. While at it, confirm you do not have a Count Court Judgment (CCJ) registered to you. A CCJ lasts for six years and has a significant impact on your credit history.

On the other hand, if your application is successful, the catalogue company will give you a £60 to £500 credit limit to enable you to make purchases. If you make your payments on time, the catalogue company may increase this limit over time. However, before you use your instant credit, ensure you are happy with the repayment terms.

How to Make Payments

When shopping for a product using your catalogue account, the catalogue company will send you a bill either weekly or monthly depending on your billing cycle. At this point, it is worth noting that some catalogue companies offer zero-interest plans, meaning you can avoid paying interest on your catalogue debt if you repay your entire debt within a specified period. If you fail to do that, you will have to pay interest on your entire debt.

Advantages of  Shopping Catalogues With Credit

  • Bad credit catalogues allow consumers with poor credit ratings to acquire goods on credit.
  • Consumers with low credit scores can use bad credit catalogues to repair their credit.
  • Some buy now pay later catalogues offer zero-interest plan
  • Instant credit account, allowing you to spend almost straight away
  • These catalogues typically offer relatively long repayment periods, which can extend to several years.
  • Bad credit catalogues offer flexible payment options, allowing consumers to spread their payments over the repayment period.

Disadvantages of Instant Credit Catalogues

Some of the disadvantages of bad credit catalogues include:

  • Some of these catalogues typically come with higher than average annual percentage rates (APRs), ranging from 39.9% to 58%.
  • Bad credit catalogues typically levy hefty penalties and excessive charges.

Popular Instant Credit Catalogues in the UK

Some of the most popular buy now pay later catalogues in the UK include:

Jacamo

Jacamo’s credit offering features a wide range of men’s clothing and footwear from popular brands such as French Connection, Weekend Offender, and Firetrap. The account offers a representative APR of 58.7% and free delivery for purchases worth £40 or more.

Argos catalogue

Argos, an online shopping catalogue, offers a 12-month buy now pay later deal. With this deal, you pay no interest if you repay your catalogue credit in full within 12 months. If you fail to do that, you will have to pay a hefty penalty on the entire balance.

Very catalogue

With a Very catalogue account, you would be able to buy a wide range of items including electrical, clothes, homeware, jewellery, as well as toys and games. If your purchase is worth £50 or more, you get an interest-free deal if you clear your catalogue debt within a specified period.

Conclusion

Bad credit and no credit check catalogues allow consumers with poor credit scores or no credit history to purchase items on credit. However, these catalogues typically offer extremely high APRs. Examples of popular buy now pay later catalogues in the UK include Ace catalogue, Argos catalogue, and Jacamo catalogue.

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