Spread the cost with an online or paper catalogue account.
Catalogues With Credit Accounts
Spread the cost of your shopping with a pay monthly credit catalogue. Whether you are looking for the latest fashion items, an electrical appliance, consumer electronics, gifts, or items for the home, you can find it in a catalogue below.
Catalogue accounts are available to anyone over the age of 18 and a UK resident. A credit check is required before being approved, but even if you have a bad credit history or poor credit score, you may still be eligible to open an account online.
If you are new to shopping with credit catalogues, you may find the shopping guide useful which is located further down this page. For everyone else, lets get explore what catalogues are available.
Studio
Studio is a popular catalogue that offers a wide range of items which include furniture, toys, electrical gadgets, and various types of homeware products like bedding and bathroom accessories.
There are also a number of fashion items for both men and women to choose from, including jeans, shirt, dresses, jackets, and jewellery. Some of the brands that Studio has to offer include Bench, Lipsy, Brave Soul Firetrap, Little Mistress, and a variety of others.
Those who are looking to add a special touch to a gift they are buying for someone, such as an ornament or piece of jewellery, will find that you can personalise it with your name and a custom message which will be sure to delight whoever receives it.
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Curvissa
Curvissa offers a wide choice of over 3,000 fashion items in sizes ranging from 14 – 32 featuring everything from trousers and tops, to jackets and jeans.
You can find items you want quickly by searching by category, occasion, size or latest trends for hints on dressing with the latest styles and fashion looks. If you have a curvy figure, you’ll be pleased to know that every item is the same single price regardless of the size.
Curvissa also have an Inspire section which features top experts providing opinions on the latest season style tips and news on the latest industry trends and also useful tools to help style you from head to toe. There’s also a handy Shape Calculator to help start shaping your individual style.
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Dial a TV
Dial a TV is a rental firm which offer a selection of household items on a pay weekly or monthly basis. Choose from a range of appliances, electricals, TV’s and computers. Service repairs and breakdowns are included in the price saving potentially high cost of repairs and call out charges.
TV rental allows you to move as quickly as new technology does. You can receive the latest technology and update it every year as new technology surpasses it.
Washing machine repairs can be costly. By renting a washing machine you can avoid these unwanted financial outlays by letting Dial a TV take care of the service. If you own your machine you will have to wait for service and parts, which can be both expensive and timely, with some repairs taking weeks. By renting with Dial a TV you can expect a speedy resolution or replacement at no extra cost.
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Kaleidoscope
Those who buy clothes from Kaleidoscope know just how uniquely fashionable and vibrant their entire collections are. It is the attention to detail, quality and design that makes everything they sell the very best in terms of how it looks and fits.
They know that even the smallest details are important when it comes to making quality clothing, which is why all of their pieces are completely unique and designed to look great.
Once you start exploring what the Kaleidoscope website to offer you will be impressed by the sheer range of items. As well as a variety of clothing and accessories, there is also furniture, homewares, and footwear to explore.
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La Redoute
Le Redoute is a pioneer in the French fashion industry, offering collections of beautiful clothes that each have a uniquely French style. All of these stylish and fashionable clothing items are just a few mouse clicks away.
Their wide assortment of women’s clothes reflects all of the latest fashion trends and is available at low prices that are very affordable.
With everything from plain white T-shirts to beautiful wool cardigans, they are dedicated to providing their customers with the latest and greatest in French fashion.
With brands like Nike, Adidas, and Tipster, you can be confident that everyone can find something they love and look good in. La Redoute also offer a variety of homeware items to enhance the look and functionality of your home.
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Look Again
Look Again offers some of the most fashionable and aesthetically pleasing clothing items in the world, providing customers with a wide range of options.
All of the clothing items on offer are the result of the latest trends and customers will find many different brands and styles added to the website each week.
New styles are discounted at 10% off for the first week adds to the fun of shopping with them. The interactive tools on the website help customers to see what fashion trends are currently hot and what will look great.
There are also a variety of other items, such as electronic gadgets which will appeal to just about everyone. Those who are looking for something new to put in their home for a little extra style will find that the Look Again website has lots of different things to choose from.
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Swimwear 365
Finding swimwear that fits comfortably and looks good should be easy, and Swimwear 365 is dedicated to helping women find exactly what they need when it comes to a sexy new bikini, swimsuit, or some other type of swimwear.
They offer swimwear in sizes that range from 6-34 and cup sizes that go up to G. Swimwear 365 sell a wide range of top branded best swimwear, including names like Adidas, LASCANA, and French Connection.
Their prices are competitive and they allow customers to find exactly what they need by using the very convenient search function on the website. Women with all different body types will find that there is something to choose from when shopping with Swimwear 365.
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Shopping With Credit Catalogue Accounts
You may have heard about shopping using a pay monthly credit catalogue, and perhaps you’re interested in giving it a try yourself. Shopping with credit catalogues is a convenient and easy way to get the things you want or need without having to pay for them upfront.
Buying items from one of these catalogues is a straightforward process; all you have to do is find the items you want, order them, and they will be delivered to your home.
You can shop from a website or an actual printed catalogue. There is a slightly different process for ordering items from an online catalogue than a paper one, but the concept is still the same.
Online & Print Catalogues
Before the introduction of the internet, home shopping catalogues were widely distributed in print form, and provided people with a way to flip through the pages of the glossy print catalogue to find the items they want in the comfort of their own homes.
Although these catalogues are still made and distributed, they have become far less common because of the sheer number of people who have started doing their shopping online. Even though a lot of people shop online these days, a lot of people still prefer the glossy paper catalogues for a variety of reasons.
Catalogue Credit Accounts
Shopping using a catalogue account is a form of shopping-by-post. However, unlike traditional online retailers, you can open up a credit account, allowing you spread the cost of your shopping.
This is sometimes known as a ‘personal account’, and it allows the cost of purchased items to be spread out over an extended period of time and paid back in installments (usually weekly or monthly).
Payments are usually spread out in installments which can be a more flexible way of buying items. However, when you buy with catalogue credit, you do end up paying a little more for these products because of the interest rates that catalogue company charge.
Spread The Cost
A lot of people like this option because it means they do not have to pay for their purchases upfront, though not everyone always qualifies for a catalogue credit account. Your credit history will determine whether or not you will be able to get a credit account with a company, and each one has different criteria for approving applications.
What types of products are available on catalogue credit?
Some catalogues sell everything you could ever want for your home and some specialise in certain types of items, such as women’s clothes, electronics, toys, furniture, gifts and more.
Is home shopping using a catalogue a good way to buy things?
Buying on catalogue credit allows you to have the things you want now. You don’t have to save up the money to replenish your wardrobe at the start of a new season — you can get it now and pay it off a little at a time.
Catalogue credit is also ideal for things like or replacing a broken washing machine or television, or perhaps replacing a sofa or laptop. Some catalogue companies even offer zero interest provided that the account is paid in full within a set period of time.
What is the cost of using a catalogue credit account?
This, unfortunately, is the tradeoff for getting the things you want now. When you buy products on catalogue credit, you do end up paying more for them in the long run.
For example, some catalogue companies may charge an APR of 30%, which is higher when compared to a credit card APR of 19%. In this scenario, using credit to purchase £250 worth of goods would, when paid back over the course of the loan, end up costing £302 with a credit card but over £335 with catalogue credit.
How can I apply for credit?
Credit applications must be approved from each catalogue you wish to buy from. To open a catalogue credit account, you must be a UK resident and over 18 years of age. Credit is subject to affordability and status. Terms and conditions apply.
Visit the catalogue website you wish to use, choose your products, and fill out an online application. Many individuals will be approved immediately, while others may take a few hours for a decision.
Pay Monthly & Pay Weekly Catalogues
How do I make payments on my credit account?
With a credit account you will be able to choose the option of making payments on a weekly or monthly basis depending on the catalogue you choose.
A lot of people like this option because it means they do not have to pay for their purchases upfront, though not everyone always qualifies for a credit account. Your credit history will determine whether or not you will be able to get a credit account with a company, and each one has different criteria for approving applications.
You’ll receive a regular statement from the catalogue company, usually weekly or monthly. This statement will show you what you’re paying for, the outstanding balance, the minimum payment due, and a due date.
To keep your account up to date, you must pay the minimum by the due date listed. Pay more than the minimum and you’ll pay less interest; pay the account off in full and you’ll pay no interest. If you are shopping online, you can access your catalogue account 24/7 and 365 days of the year.
How long will I have to pay back the money I’ve borrowed?
Again, this depends on the company, but payments for most catalogue purchases are spread out over one to three years. More time means lower installments, of course, but it also means that you’ll pay more overall to own your products.
Will I be credit checked?
Yes. To ensure responsible lending, all catalogue companies must run a credit check on any applicants.
What credit limit can I get from a catalogue?
When you sign up for a credit account, you will be given a spending limit which you cannot exceed. The limit that you get will be determined by the company and a credit check will be performed in order to determine what amount is appropriate for you.
In general, you can expect to be given anywhere from £70 to £500 for your first catalogue purchase. If you have a high credit score, you can expect a higher credit limit to begin with.
If you have bad credit rating, you will likely be given a smaller credit limit to start with. The good news is that making regular repayments on a catalogue credit account can be an excellent way to improve your credit rating. As long as payments are made on time, your catalogue credit limit may also increase. Note that no credit check catalogues do not exist.
Are there any fees involved?
If you pay your minimum balances on time, then there should be no associated fees. However, if you forget to make a payment or pay late, you may incur a missed payment or late payment fee.
How can I increase my chances for getting credit?
Have a good credit rating, and make sure you are on the Voting Register. Also, make sure you fill out your application as completely and as truthfully as you can.
What if I have a very bad credit rating?
Some catalogue companies will extend a small line of credit to you even if you have a questionable credit history. And actually, using catalogue account (and paying your minimum balances on time) can work to rebuild your credit rating.
My application was denied. Now what?
If your catalogue credit application was denied, there are a few things you can do to increase your chances of getting approved next time. They are as follows:
- Make sure you are on the voting register.
- Make sure all of the information on your credit history is correct.
- Make sure all of your current bills are being paid on time.
Check to see if there are any CCJs or defaults on your account history. These things stay with you for six years, so even if you’ve been financially responsible the last two or three years, a blemish may still be on your credit report.
If you have no credit history, you may need to build one up before using a catalogue company.
If your application has been declined from a catalogue company, there are a still a few options available to you. Each shopping catalogue has their own credit scoring system, so whilst you may be declined by one retailer, it is possible to be accepted by another.
Catalogues For Bad Credit History
A credit check is required before you are approved for a catalogue account, but even if you have a bad credit history or poor credit score, you may still be eligible to open an account online. Click to view the best bad credit catalogues available.
If you have a poor credit history, avoid applying for company’s which belong in the Shop Direct Group such as Littlewoods, Very and ISME.
No Credit Check Catalogues?
If you have a bad credit history or no credit rating, you may be wondering if no credit check catalogues exist. The short answer is no. Any company offering finance or credit must ensure their customers can repay their commitments and are legally obliged to pass applicants details through a credit and affrodability check. Although the are no such things as catalogues with no credit checks, each catalogue will have a different credit checking criteria, so while you may not get approved with one company, you could get approved by another.
How can I find out about my credit history?
You can contact the credit reference agencies currently operating in the UK which are listed below. The information they hold may not be the same, so it’s worth contacting them all.
A sample of what your credit report looks like with Experian.
They will charge you a small statutory fee, but Experian currently have a 30 day free trial offer which allows you to check your credit report for free. The service normally costs £14.99 per month, but you can sign up, check your report and then cancel the subscription.
Experian,
Consumer Help Service,
P.O. Box 8000,
Nottingham NG80 7WF.
Call 0844 481 8000 or log on to www.experian.co.uk
Call Credit PLC.
Consumer Services Team,
P.O. Box 491,
Leeds LS3 1WZ.
Call 0870 060 1414, or log on to www.callcredit.co.uk
Equifax PLC.
Credit File Advice Centre,
P.O. Box 3001,
Bradford BD1 5US.
Call 0844 335 0550 or log on to www.myequifax.co.uk
Can I return items I do not like?
Although shopping online can be a great convenience, one of the drawbacks is that you cannot actually see the products with your own eyes, which is why you may need to return or exchange something. If you ever find that you need to do a return or exchange, just follow the company’s returns policy, which can differ depending on the retailer. You should be able to find the catalogue returns policy online 24/7, 365 days of the year.
One of the best ways to prevent problems with getting products that you want to return is by looking at the details carefully before you make your purchase. When it comes to clothes, you will need to look at the sizing chart provided by the website so you can determine which size is right for you.
Top UK Shopping Catalogues
*APR rates displayed below are representative APR (variable)
| Plus Size Clothing, Women's Clothes, Footwear, Accessories | 34.9% APR | Shop Now |
| Bad Credit OK - Home & Garden, Electricals, TV's, Tablets, Laptops, Washing Machines, Fridge Freezers, Ovens | N/A | Shop Now |
 | Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts | 58.7.% APR | Shop Now |
 | Plus Size Clothing, Men's Clothing, Accessories, Footwear, Sports, Home & Garden, Electricals, Gifts | 58.7% APR | Shop Now |
 | Plus Size Clothing, Women's Clothes, Men's Clothes, Accessories, Footwear, Home & Garden, Electricals, Gifts | 58.7% APR | Shop Now |
| Women's Clothing, Footwear, Home & Garden, Gifts | 34.9% APR | Shop Now |
| Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden | 34.9% APR | Shop Now |
| Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, Gifts | 34.9% APR | Shop Now |
 | Plus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts | 58.7% APR | Shop Now |
 | Plus Size Clothing, Women's Clothes, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts | 58.7% APR | Shop Now |
 | Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, Gifts | 58.7% APR | Shop Now |
| Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear | 34.9% APR | Shop Now |