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.

Yes Catalogue – For Bad Credit

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 – Phone contracts for bad credit

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.

Bad 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.

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A guide to shopping catalogues with credit

Offered by many retailers including technology, homeware and fashion, catalogues with credit allow consumers with poor credit scores to purchase goods on credit. These catalogues offer an interest-bearing payment option called Buy Now Pay Later payment options. The credit period typically ranges anywhere from 6 to 12 months.

As an example, the catalogue, Very, allows you to pay off your catalogue debt after six, nine or twelve months. These types of catalogues offer weekly or monthly payment options, meaning you can stagger your payments over the repayment period. Here’s a detailed look at bad credit catalogues.

No credit checks

If you have a poor credit score you could apply for a catalogue that doesn’t require a credit check. There are sometimes fees involved – visit our no credit check catalogues page to see all available providers.

Personal account catalogues for bad credit and CCJs

There are various types of bad credit shopping catalogues: bad credit catalogues, no credit check catalogues, Buy now, pay later, pay monthly, pay weekly and catalogues with credit accounts.

You must pay off your account balance on time and crucially, never fail to make a repayment. If you meet your payment obligations, the catalogue company may increase your credit limit.

Catalogues with bad credit – The application process

You can choose a buy now pay later catalogue based on the frequency of your income – here are some examples of the available pay weekly catalogues. Repayment terms typically vary from one retailer to another.

Once you’ve picked a catalogue, you can 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 and depending on the results either accept or reject your application.

If the shopping catalogue company rejects your application, you should check you entered the correct details and that you’re registered to vote.

Different credit reference agencies may hold different data about you. For this reason, you should get in touch with all of them to get an overview of your credit situation. It’s important to note that if you have a Count Court Judgment (CCJ) registered to you you’re unlikely to be accepted for credit. A CCJ lasts for six years and can have a significant impact on your credit history.

If your application is successful, the catalogue company will give you a credit limit to allow you to make purchases. If you make sure you repay on time, the catalogue company may increase this limit over time. It’s important you check the terms and conditions of the agreement before you start to spend – be honest with yourself about what you’re able to afford and how much you can realistically make back each month. Failing to keep up with repayments could be detrimental to future credit applications.

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. 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 using catalogue credit 

  • Poor credit catalogues allow consumers with poor credit ratings to acquire goods using credit.
  • Consumers with poor credit scores could use them as a way to rebuild their credit score.
  • Some buy now pay later catalogues offer zero-interest plans.
  • Instant credit accounts, allowing you to purchase goods almost straight away.
  • These catalogues typically offer relatively long repayment periods, which can extend over several years.
  • Bad credit catalogues offer flexible payment options, allowing consumers to spread their payments over the repayment period.

Disadvantages of using catalogue credit 

  • 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.

Top 5 poor credit catalogues

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

Yes catalogue

Yes Catalogue does not perform credit checks. Instead of using a traditional credit check, they use a payment system which allows customers to prove their ability to pay.

This is done by staging the purchase of your chosen goods over a services of instalment payments that show you have the means to pay for the item.

Once you have made six payments you will qualify as a good credit customer and your purchases will be dispatched. Each time you return as a customer having completed a purchase; you will be upgraded to the next credit tier.

Visit Yes Catalogue Here


Savultra gives consumers £1,800 per year, including £450 catalogue credit every 3 months, £100 groceries credit every month, and a mobile phone.*

Please note that this is a free trial and if you decide to stay with Savultra, they will charge you a one-time fee of £34.99 and a monthly membership fee of £19.99.

Visit Savultra Here

Accepted Mobile

At Accepted Mobile, you’ll find an extensive range of mobile phones, including all of the latest makes, models and devices.

Visit Accepted Mobile Here


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.


What’s The Easiest Catalogue To get With Bad Credit?

There are many shopping catalogues which will accept people with a bad credit rating. The Savvy Benefits Card is one which can give you a £2,500 credit line if your credit rating is tarnished, although you may have to pay a small monthly fee.

Can I Apply For a Bad Credit Catalogue With A CCJ?

If you have a CCJ (County Court Judgement) then taking our any type of credit may prove difficult, but not impossible. There are some shopping catalogues which can accommodate for people with a bad credit file. See our list of specialist catalogues which can offer a buy now, pay later option.

Can I Get A Credit Line If I Have Bad Credit?

Getting a credit line of any type when you have a bad credit rating can be difficult. We partner with UK Credit Ratings to offer you the chance to check your credit file before you apply. See here for more details.

Can I Get Buy Now Pay Later With No Credit Check?

Most shopping catalogues will require a credit check before you can get a buy now, pay later account. Although there are specialist companies such as the Savvy Benefits Card which can offer up to £2,500 with no credit checks. You may be required to pay a monthly fee for this.

How Can I Fix My Credit File?

Getting your credit file back on track is one of the most beneficial things you can do, as having a good credit file opens your options if you ever need to borrow money. We partner with UK Credit Ratings to offer you the chance to check your credit file before you apply. See here for more details.