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£15 off your first order

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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

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£500 Credit Line

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Excellent: 4.7

No late payment fees, flexible payments (you choose when to pay) and a huge selection of products.
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Simply select the mobile phone you want and you can get a contract for a new mobile phone.
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Studio Catalogue

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

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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 pay weekly catalogue for you

Pay weekly catalogues offer a useful payment method for goods. Learn more about how they work, and if they’re best for you with this guide.

What are pay weekly catalogues?

Pay weekly catalogues give shoppers an alternative way to pay for various goods and services. Instead of paying for an item in full, you’ll be able to spread the cost and pay it back in instalments.

When using pay weekly catalogues, you’ll be able to choose from a wide range of items, including electronics, furniture, fashion, and more. By giving you the option to spread the costs, pay weekly catalogues have the potential to make expensive goods more affordable.

The terms of your repayment plan will be tailored to you. With most pay weekly catalogue providers, you’ll be able to dictate the amount you want to pay back each week, as well as the finer details of your repayment plan.

You don’t have to wait until your repayments are fully paid off to start enjoying your purchased items. Most pay weekly catalogues will ship your item 3-5 days after checkout.

Pay weekly catalogues are growing in popularity due to their flexible payment options and ability to make expensive, one-off purchases potentially more manageable.

How do pay weekly catalogues work?

The way each pay weekly catalogue works will differ a lot between providers, making it important that you do your research when comparing the best options.

When making a purchase from a pay weekly catalogue, some will require your first instalment at checkout, whereas others might offer the option to start your instalments at a later date.

It’s always best to think of pay weekly catalogues as similar to loans. When you use weekly payment catalogues, they’re loaning you money to cover the full costs of your purchase, and your repayments are paying that loan back.

This is why many pay weekly catalogues require a credit check before you’re accepted onto their weekly payment scheme because they need to be confident that you can be trusted to pay back what you owe.

There are pay weekly catalogues that will accept people with bad credit; however, it’s likely that the products they offer will have increased interest rates and other fees.

The best pay weekly catalogues will offer repayment plans that charge no interest at first, either for a set period or indefinitely. However, if you miss a repayment, your plan will likely be changed to one with a large amount of interest added on, with most pay weekly catalogue companies having a 40% APR.

Pay weekly catalogues will usually present you with a few options on how you’d like to pay for your items. These options can significantly alter the total amount you have to pay as well as how long you’ll have to make your repayments for. These options are:

1. Choosing to fully pay off your item by an agreed date.

Doing this will mean that you won’t be charged any interest, keeping the total cost down. This option will mean that your weekly repayments are larger to make sure everything is paid off by the agreed date.

2. Choosing to pay off some of the cost of your item by an agreed date.

Doing this will mean that you’ll only pay interest on the remaining amount that’s due. This can make your weekly repayments more manageable; however, the total cost due will increase.

3. Choosing to pay the minimum weekly amount.

Each product will have a minimum amount you have to pay each week. This option can make the repayments cheaper, but you’ll be paying interest on the full amount, and the repayment plan might last a long time.

Do pay weekly catalogues have minimum purchase amounts?

Each item from a pay weekly catalogue will have a minimum amount you’ll have to pay each week. You cannot pay any less than this amount on a week by week basis. This amount will vary depending on the product you’ve bought.

You are able to change the amount you want to pay each week during your repayment plan. Only paying the minimum amount will mean that your repayment plan lasts a long time, and the amount you pay for your goods overall will increase.

Opting for the minimum payment option is fine to do, but it’s really important to make sure that you pay these off in time. If you miss a payment, you’re likely to be charged additional interest and late fees, which might not be covered if you’re only paying the minimum amount. This can lead to persistent debt, where you’ll be asked to raise your payment amounts to clear this debt.

What are the benefits of pay weekly catalogues?

Pay weekly catalogues come with a wide array of benefits that make them an attractive option for shoppers. These include:

Large choice of products and providers

The number of providers who are offering pay weekly catalogues is growing in the UK, creating greater options for you.

This means there is a wide array of product types that you can choose from, making weekly payment catalogues a viable option for various goods.

The growth of pay weekly catalogues has also created a more competitive marketplace. This means that to stand out, more providers are offering better rates and incentives – such as 0% interest payment options –  improving the value of these catalogues for you.

Make sure to take advantage of this and compare the different catalogues available to find the best one for your needs.

Flexible payment terms

Pay weekly catalogue providers are usually pretty flexible when choosing your preferred payment terms. This means that you’re able to create a payment plan that best suits your budget and needs.

When paying off your pay weekly catalogue purchase, you’re able to do so with credit cards, debit cards, and online banking to settle the bills.

Can build or improve credit

By paying off your pay weekly catalogue purchases, you’ll be able to build or improve your credit history. Keeping up with your payments will prove that you can be financially trusted, leading to an improved credit score in the future. To do this, you must make each payment in full on the due date.

The credit-building capabilities that pay weekly catalogues give you are better suited to those with little or no credit history.

Be aware that most catalogue providers will do a credit check on you to see if you’re suitable. This means this isn’t an option for people with bad credit because it’s unlikely you’ll be accepted.

Free delivery

Although this might not be the case for all providers, the majority will offer free delivery for your goods. This can be really helpful when purchasing larger items, where delivery fees can be substantial.

You’ll also be able to get free returns if the items you’ve ordered are faulty or not up to your standard.

What are the disadvantages of pay weekly catalogues?

Pay weekly catalogues do have some disadvantages that you’ll have to weigh up when considering this payment option, this includes:

Higher costs

Even before interest is considered, the retail costs of the majority of items from pay weekly catalogues will be more expensive than from other retailers and stores.

This is more so the case with weekly payment catalogue providers who don’t require a credit check. This markup is added to cover the additional risk of offering products to people with poor credit.

High interest

Even though many of the best pay weekly catalogues don’t include interest at the start of the repayment plan, there is the potential to be charged a large amount of interest, especially if you miss a payment.

The standard rate of interest added by pay weekly catalogues is just below 40% APR, which can significantly increase the amount you pay.

Delayed deliveries

The time taken to deliver goods is a little longer than when ordering items from a traditional retailer. When using a pay weekly catalogue, you’ll likely have to wait 3-5 days for your items to arrive, with many providers having longer delivery times.

Impulse buying

This payment method might encourage you to impulse buy goods you don’t really need. Because the weekly repayments are small compared to the price of the item you’re purchasing, you may be tempted to buy more than you can afford.

This may lead to credit constraints and further budgeting issues, especially when buying luxury goods.

What are the best pay weekly catalogues?

The best pay weekly catalogues will be the ones that offer multiple products and goods of high quality, with prices comparable to other retailers.

They’re also the ones that will offer promotions and deals that will ensure you’re not paying interest during your repayment plan, providing that you don’t miss any repayments. They’ll likely also have other deals to make them more appealing, such as money back after your first order.

The best pay weekly catalogues will also be very transparent about their processes and make it clear what you should expect. There should be no hidden fees or charges.

The top-quality pay weekly catalogues will also conduct a credit check before you’re accepted onto the payment scheme. The providers who don’t check your credit will likely charge more for items and have higher rates of interest.

Pay Weekly Catalogues FAQs:

How much more will items cost when using pay weekly catalogues?

The total amount you pay for an item will depend on the provider. However, in 2019, the FCA – the Financial Conduct Authority – implemented a rule where pay weekly catalogues cannot charge more than double the value of the item they’re selling. 

This means that a computer that has a retail value of £450 cannot exceed £900 via the pay weekly method, including delivery and installation. This is to protect consumers.

Can I get a pay weekly catalogue with bad credit?

Yes, there are plenty of pay weekly catalogues that accept people with bad credit, and there are even some that specalise for this type of customer. These providers will usually charge a larger interest rate than average, meaning that what you buy will cost a lot more as a result.

Will a pay weekly catalogue affect my credit score?

Pay weekly catalogues can affect your credit score in multiple ways. When you make your payments on time and completely pay off an item, this will prove you’re reliable, which can boost your credit score. 

It’s not uncommon for people with poor credit scores to use weekly payment plans to build up their credit scores. 

Bear in mind regularly missing payments can negatively affect your credit score, so you must be confident you can pay off your purchase before committing to a pay weekly plan.

What happens if I miss a payment?

If you miss a payment, most providers will charge you a late payment fee, which will be added to your total owed to the catalogue provider. 

A late payment might also make the provider switch your plan to one with a high interest rate, drastically increasing the cost of your purchase. If you miss repayments repeatedly, you could get into debt very quickly. Your account will also be closed so that you can’t make any more purchases.

Do I have to pay interest on pay weekly catalogues?

Yes, it’s likely that interest will be included in your repayment plan. This is one factor that makes the items that you’re purchasing more expensive over the long term. The standard interest rate for pay weekly catalogues is 39.99% APR.

Some pay weekly catalogues might also add additional interest to your repayments if you miss any, increasing the overall amount you have to pay. 

Some of the best pay weekly catalogues won’t charge interest at first but will add it onto your repayment plan if your payments are late.

More shopping options

We compare a range of shopping options to help you find the best bad credit catalogue, buy now pay later, catalogues with credit or pay monthly catalogue for you.