If you have bad credit history and have been declined from some the retailers on this website, the idea of a no credit check catalogue may sound like a dream. The reality is that such catalogues with no credit check required do not really exist.
The best alternative is to try with popular rental catalogue Dial a TV who require their customers to pass only a simple credit check and have the highest acceptance rate out of all the companies featured on this website.
Other more mainstream pay montly companies such as Grattan Littlewoods and Very tend to require an excellent credit rating for acceptance.
Dial a TV – Simple Credit Check
Since 1991, Dial a TV has been in the rent-to-own technology business, providing everything from personal computers to big screen TVs to washers and dryers to UK residents just like yourself. They are a division of the Hughes Electrical Group, the largest independent electrical retailer in the UK and a revered business of technology experts. Dial a TV offers a wide variety of home technology and electrical appliances. Customers can browse the selection, apply for credit, and even get approved and confirm delivery, all from the site.
If you’re looking for a home electrical product, chances are you’ll find it at a weekly price that you can afford. For example, as their name implies, Dial a TV sells TVs, and you can rent to own an enormous 46-inch 1080p HD LCD TV for £8.90 per week. If you’re a gamer, you can get the latest and greatest Playstation 4 console to go with it for £5.90 per week. Or, if you’re thinking more practically and would like to rent to own a high quality vacuum cleaner for your home, dialatv.co.uk has you covered, with a Dyson DC25 ball bagless upright vacuum cleaner for just £3.90 per week.
Some individuals may wonder what the benefit of renting to own might be, especially when it may seem just as easy to purchase an item outright. First, renting to own allows you to purchase the product you want when you want it, even if you do not have the cash upfront to pay for it. Second, all items from dialatv.co.uk are delivered free of charge right to your door, and they deliver to most addresses in the UK. They will even work with you to deliver on a day and at a time that is most convenient for you, even if it’s after 5:00pm. Third, dialatv.co.uk offers free installation and assistance on all products, so you’re not stuck wondering how to hook up the shiny new home entertainment system that’s sitting in boxes on your living room floor.
Finally, there is one more big advantage to renting to own products, and it’s this: should anything go wrong with your item, the company will send a repair person to fix the problem within three business days. This is done at absolutely no additional cost to you. Furthermore, if the product can’t be repaired during the service call, dialatv.co.uk will provide you with an equivalent loaner product free of charge while they fix yours, so you’ll never have to be without the item for which you’re paying.
With dialatv.co.uk, you can have the home electrical items you want, when you want them. There’s no waiting for months on end to save up enough money, and there’s no hassle in going to a busy shop on your day off to get what you want. Plus, when you rent to own from dialatv.co.uk, your days of paying for appliance repair are over, as all repairs are included in the rental price.
BrightHouse – Simple Credit Check
BrightHouse are the the largest rent-to-own company in the UK. The company has over 270 brick and mortar stores and the array of products available is staggering. All of their products are available on pay weekly installments.
You can find just about everything you need for your home as well as your office: furniture for every room of the house, computers and other office electronics, home entertainment equipment for both video and audio, all manner of appliances, and even mobile phones from a variety of manufacturers and networks.
Everything is made by brands you know and trust, and all products come with their full five-star service.
This includes delivery, installation if applicable, insurance, repairs, loan products should something break and need fixing, and even like for like replacements of products that cannot be repaired.
Let’s say you’re looking for a new sofa for your living room. At brighthouse.co.uk, you’ll find all the latest styles, colours, and materials, including a stunning Luna corner sofa and chair. This black Italian leather two-piece set costs just £24 per week.
Or if you’re in the market for a new laptop for work, you’ll find a powerful HP 13-inch Platinum Pavillion x360 Touchscreen Notebook at for just £15 per week. Washer on the fritz? At brighthouse.co.uk, you can get a new, energy efficient, and large capacity Samsung EcoBubble washing machine for just £10 per week.
Many shoppers wonder how manages to keep their weekly prices so low. It’s easy: by spreading payments out over the course of three years, you’ll never need a large sum of cash upfront. This allows you to get the products you want when you want them. The representative APR, if payments are stretched over the full three years, is typically 64.7%. While this may seem high upon first glance, many customers believe it is a small price to pay for getting great products at such a low weekly cost.
To apply for credit so that you can rent to own items from brighthouse.co.uk, simply visit their website and click the orange Get Credit Now button located in the upper left corner. Simply fill out the form truthfully and completely, then click the blue Get Credit Now button at the bottom of the scrolling page.
After a quick review of your information and a credit reference check, you’ll hopefully have a yes answer very soon. Then, within your credit limit, you can start shopping with Brighthouse! Peruse all of the rent to own furniture, electronics, and everything else that brighthouse.co.uk has to offer.
Once you are approved for credit on the website, you will need to take a quick trip to your local store to verify your identity, address,and income. You choose your items and then have it delivered for free.