UK Online Shopping Catalogues With Credit

Whether you choose the old school paper version or you prefer to shop online, catalogues are a brilliant tool, allowing users or readers to browse through hundreds and thousands of products with ease.

Whatever your needs are for shopping, catalogues can usually provide you with an answer. Providing you find the right store that actually sells what you are looking for, you can browse through various options for the item (or items) in question.

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Online Shopping Catalogues

Manage Your Finances More Efficiently With Catalogue Shopping

When shopping with catalogues, there are a range of options available to you. It's important for you to decide which route you want to go down before making any form of decision, and for that reason, we have taken a small look into the different options available for catalogue shopping below.

Pay Monthly
Pay Monthly

Pay Monthly

A lot of modern catalogues provide shoppers with the opportunity to pay for items in monthly installments. Providing the product costs above a certain amount, the retailer will usually create plans that allow those willing to spend money to spread the cost of the purchase across a number of months. 6 and 12 month plans are popular, although some retailers will allow you to spread the cost of some products over 5 years. It doesn't take a genius to work out that expensive products spread over 60 months, probably aren't going to be that expensive anymore, especially if you take it by a month to month basis.

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Pay Weekly
Pay Weekly

Pay Weekly

There are lots of catalogues out there which allow you to pay for things on a weekly basis, as opposed to up front or over the course of a few months. Pay weekly catalogue shopping can come in handy for those of you who get paid weekly, or for those of you who like to keep a close eye on money going out. Paying for your items in one go can sometimes be a struggle, but having the option to pay for things weekly (whether that be over 4 weeks or 40 weeks) means you can manage your finances better and purchase the products you love without having to burst the bank, or save money for a long time.

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With Credit Account
With Credit Accounts

With Credit Accounts

A lot of catalogues offer customers the opportunity to open credit accounts and spread the cost of payment over a number of weeks, months or years using finance. Otherwise know as a personal account, the credit account comes in handy for people who want to build a credit rating, or simply for those of you who want to pay for things with credit. When you open an account the retailer will give you a credit limit which you can use to purchase as many items as you want, up to that amount. Every company is different so the limit will be determined by a system or someone in charge based on your credit history.

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With No Credit Checks
With No Credit Checks

With No Credit Checks

There isn't really such thing as no credit check catalogues. There are no catalogues out there that will give you credit without first going through the usual credit checks. There are, however, a range of catalogues out there that are more likely to approve you, even if you have a bad credit history in comparison to some other people. Usually, you will get a small credit limit to start with and then, once you have proven yourself trustworthy to make regular payments, you may be offered a high credit limit with better payment terms further down the line. Catalogues like this make it possible for people with bad credit history to afford things too.

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How to apply for credit
How To Apply

How To Apply

It's extremely easy to apply for credit If you follow these steps. Once you have found a catalogue you like and items you wish to purchase, you will usually need to enter some details. The catalogue will need to verify your identity so it's important that you take great care when doing this. Answer the questions as best as you can and as accurately as possible. This will improve the chances of getting a decision quickly. In most cases, you will get an instant decision about whether or not you have been approved for a credit account and what your limit is. Providing you are over 18 and a UK resident, you can submit an application.

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Buy now pay later
Buy Now Pay Later

Buy Now Pay Later

If you are strapped for cash and you desperately need or want to buy something, buy now pay later catalogues are an excellent solution to your cash flow problems. You can purchase the items you need without having to wait until you can afford them and pay them back gradually over time. This type of catalogue usually comes with low introductory interest rates or deferred interest for the first year after the initial purchase. Buy now pay later catalogues allow people to buy the things they need and pay them back in due course. They are an extremely popular choice and generally cover a wide range of items, from clothing to furniture and electronics too.

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Bad credit catalogues
Bad Credit Catalogues Online

If you have a bad credit history then it can be difficult to obtain new credit. However, all is not lost. There are still catalogues out there for people with bad credit.

Even with a bad credit rating, there are options available to you. We aren't saying you will definitely get credit if you have a bad credit rating, but there are catalogues out there that take into consideration that not everyone has a perfect credit score.

Catalogues for Bad Credit

Types Of Catalogue

As you can see below, there are several types of catalogue available. This is just a few of main categories, although there are literally hundreds of other types to choose from, including catalogues for the larger man, the bustier women, the DIY enthusiast or for children in general. The list is virtually endless.

Womens Catalogues
Mens Catalogues
Plus Size Catalogues
Gift Catalogues
Over 50's Catalogues
Homeware Catalogues
Pick Up or Order Your Catalogue Online

Picking up a catalogue from your local store means you can go home and pick out the items you want, without the hassle of other shoppers getting in the way. An even better way to shop is to go online, add items you want to a basket and save them for a later date. Catalogue shopping is incredibly easy, and whether you choose to shop online or to pick up a catalogue and return to the store to make your purchases, you shouldn't have much trouble along the way. The only problem you might have is deciding which items you want, out of what is usually an extensive range.

Catalogue Shopping
Shopping Online With Credit
Online Shopping Catalogues with Credit

There's a whole host of online catalogues that give you the option to shop with credit. Should you need to replace essential items around the home or you need holiday clothes for the kids, online shopping catalogues offer people the opportunity to get their hands of items they need without actually having the cash to hand. Not all catalogues let you apply for a credit account, although every catalogue you can see on this website allows you to submit an application. Please take the time to read some of the reviews and find a catalogue that suits your needs and your financial situation.

Top 20 UK Catalogue Brands

Argos
Argos

Argos is one of the biggest catalogue retailers in the UK at the moment, with a product range that is designed to meet the needs of almost anyone. From furniture to sporting goods, toys to jewellery, electronics to mobile phones, there isn't really a limit as to what Argos are able to achieve.

Read Full Review Here
BrightHouse
BrightHouse

BrightHouse is the UK’s largest and leading rent-to-own store, with over 3000 employees and a huge online presence it shows no signs of it’s growth slowing down. Offering everything from household goods to all the latest must have electrical items, BrightHouse has a great selection to choose from.

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Buy as you View
Buy as you View

Buy As You View have been established since 1972, starting off renting their goods to customers, Buy As You View developed into a rent-to-buy service. Offering all the latest home and electrical goods Buy As You View makes it easy to pay for goods you can’t afford outright with manageable and affordable weekly payments. With 700 staff nationwide Buy As You View do their best to offer a line of credit to all of their customers.

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Curvissa
Curvissa

Curvissa is one of the UK’s top credit catalogues for women of a curvaceous body, taking it names from the curvy lady, Curvissa offer a fantastic selection of womens shoes and womens clothes ranging from sizes 12-32. At Curvissa they believe everyone should look beautiful.

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Daxon
Daxon

Daxon is a popular online catalogue that is designed for people who value that old fashioned high quality service, attention to detail and great products. Daxon’s main aim to to give all customers that visit their catalogue site a premium feeling shopping experience.

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Dial a TV
Dial a TV

Established back in 1991, Dial-a-TV is still managed by the same professionals who set it up. With a huge growth expansion, Dial-a-TV has grown to become one of the most well known and respected rent to own businesses in the UK.

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Fashion World
Fashion World

Fashion World, part of J D Williams & Company Limited, is one the the UK’s leading direct home shopping online catalogues. During the 20th and 21st century Fashion World has seen exponential growth and has became popular with men and women of all ages. Offering a huge selection of clothing, footwear, toys, home furniture, garden furniture and equipment, electricals and gifts, Fashion World has became the must have online catalogue.

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Fifty Plus
Fifty Plus

Ladies and men looking for a pay monthly catalogue that offers great stylish fashion, homewares and much more, you’ve found the perfect catalogue for you with Fifty Plus. Part of the J D WIlliams, Fifty Plus has established itself firmly in the UK market as the must have catalogue for people over the age of 50.

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Jacamo
Jacamo

Jacamo is part of the N Brown Group, a company that offers a huge online catalogue presence and store presence across the UK. Jacamo is a unique store and online catalogue service that caters for men of a larger build who care about looking stylish and on trend.

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JD Williams
JD Williams

Founded in 1875, JD Williams has grown to become one of the most famous and well known online and home shopping catalogues, catering for men, women, children, homewares, garden wares and electricals; at JD Williams you’ll never be short of choice.

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Kaleidoscope
Kaleidoscope

Kaleidoscope is a book based and online based catalogue service, offering a range of stunning women’s clothing and footwear, as well as a great range of homewares and furniture. Offering exclusive ranges you won’t find on the high street, Kaleidoscope is a catalogue for women who like to be different.

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La Redoute
La Redoute

La Redoute catalogue has a unique French and everything they sell from clothes to homewares has a unique French chic style about it, making it different than your standard catalogue. La Redoute makes French style accessible to all, with stylish looks and timeless pieces, plus guidance and advice on how to look good. You get a great choice of clothes that fit well and flatter, the way only the French seem to know how.

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Littlewoods
Littlewoods

Once a popular shopping store that dominated UK high streets, now an online only catalogue site, Littlewoods has grown to become one of the largest and most popular online catalogue sites in the UK. Offering a vast selection of home and fashion items, Littlewoods has something for everyone. When you choose to open a Littlewoods shopping account, you can spread the cost of your items with flexible monthly payments to suit your budget.

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Look Again
Look Again

Look Again is the online catalogue that offer a vast range of mens, womens and childrens clothing; it should be the first port of call for anyone that’s looking for the latest fashion trend to fill their wardrobe. As well as clothes, Look Again caters for all your needs from homewares, furniture, electrical goods and appliances.

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Marisota
Marisota

Marisota, part of the JD Williams group, is one of the UK’s leading home and fashion catalogues. Offering a vast selection of womens clothing, mens clothing, childrens clothing to suit all ages, sizes, shapes and sizes. Marisota also offer footwear, toys, home accessories, furniture, gifts, appliances and the latest electricals so with Marisota there's something for all the family.

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Premier Man
Premier Man

Premier Man is a monthly payment catalogue service aimed primarily at men but it’s not exclusively for them, with a womens, home, garden, electrical and gift section the catalogue caters a little something for everyone. With an emphasis on size and fit, Premier Man is designed to ensure every man is looking at his best. With a Premier Man Personal Account you can easily spread the cost of your purchases to.

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Simply Be
Simply Be

Simply Be's shop and online catalogue was originally designed for just the curvy women of the world but now they cater for women of all shapes and sizes. If you want to look confident and stylish and be proud of the way you look then Simply Be is the catalogue for you.

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Swimwear 365
Swimwear365

Launched in 2012, Swimwear365 may seem new to the catalogue industry, but they are swiftly becoming very popular with holiday shoppers. With an online catalogue site exclusively dedicated to swimwear, beachwear and accessories all year around. Man, women or child, Swimwear365 offer an exclusive range of swimwear items including swimsuits, bikinis, tankinis and shorts to a range of people of all body types.

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The Brilliant Gift Shop
The Brilliant Gift Shop

The Brilliant Gift Shop really stands out in the growing online catalogue market, offer a vast selection of unique and personalised gifts you’ll never be short of choice when it comes to finding a present for a friend or loved one. With The Brilliant Gift Shop there's no need to worry about paying straight away either, when you open a personal account you’ll be able to pay monthly with the option to pay on each statement date or spread the cost with flexible and affordable monthly payments.

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Very
Very

Very is one of the fastest growing and most popular online catalogue services in the UK. Offering a great selection of choice, it’s departments offer everything from homewares, gifts and clothing, Very has something for all the family. Very let you take advantage of a great line of credit with their Very account; meaning you can spread the cost with affordable payments that meet your budget, spread the cost of orders over 3 equal payments or pay in full on each statement date.

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Catalogues with Credit Make Shopping Incredibly Simple

Picking up a catalogue from your local store means you can go home and pick out the items you want, without the hassle of other shoppers getting in the way. An even better way to shop is to go online, add items you want to a basket and save them for a later date. Catalogue shopping is incredibly easy, and whether you choose to shop online or to pick up a catalogue and return to the store to make your purchases, you shouldn't have much trouble along the way. The only problem you might have is deciding which items you want, out of what is usually an extensive range.

Spread the cost with Online Credit Shopping

Before the invention of the internet the kind of home shopping you could do was by a standard print edition catalogue, being able to glide through the glossy catalogue pages for items from the comfort of your own how was a novel idea.

Jump ahead a few years and with a sudden boom in online shopping, the catalogues jumped at the chance to seize the opportunity and now dominate the online marketplace. Alongside online shopping, companies will still issue a traditional printed catalogue upon request.

Shopping on the internet has made it  easy for people to access an array of goods a just a few clicks of the button, shopping catalogues are here to stay and millions of UK residents are now taking advantage of the online catalogue shopping experience.

People who are new to catalogue shopping have some questions and inquiries about the shopping service, here are some answers to the most common questions and inquiries.

How does shopping with credit online work?

How does shopping with credit online work?

When you're in need of new clothing or a replacement for an essential appliance such as a washing machine or cooker. If the latest piece of technology has just been released and you can’t afford it straight away, by shopping with the credit accounts from online catalogues it makes it easy to afford the items you need or want, by paying with affordable weekly payments or monthly payments.

Whether you purchase items direct from the catalogues website or from their paper catalogue, all you need to do is simply pick the item you want and you can have it delivered direct to your door as quickly as the next day.

When you open a credit account, sometimes known as a personal account or shopping account, you can spread the cost using finance over a number of week, months or years.

Different Types of Catalogue Credit

There's a number of options available when it comes to getting credit. When speaking of catalogues in particular, these might include:


You will be given a credit limit when you open a personal account, which will be generated by a number of factors. With this credit limit you can purchase whatever items you wish to up to the amount of your credit limit. This limit will be determined by the company in question (as each company is different) and your personal credit rating. If your credit rating is excellent you will be provided a higher credit limit than someone with a poor credit score.

Different Types of Catalogue Credit
Personal Credit Accounts for Catalogues

Personal Credit Accounts for Catalogues

When you choose to open a credit account with a catalogue you’ll be sent a statement which is typically monthly, which will have the minimum payment amount, by paying this you keep your account in good standing.

If you choose to spread the cost when you open a personal account with a catalogue, it will sometimes cost you more to repay the items than if you paid for the item in full. Many catalogues offer a range of payment methods, which offer pay weekly, pay monthly, take 3, spread the cost or buy now pay later.

To apply for a credit account with catalogues in the UK you need to be 18 years of age or older. Credit is given subject to affordability and credit status; terms and conditions apply.

How Do I Apply For A Credit Account?

If you’ve been shopping online with a catalogue, when you’ve chosen the items your wanting to purchase simply go to checkout and you’ll be able to apply for a credit based catalogue account. When applying you will be asked to submit details and you will then be given a decision either instantaneously, or sometimes after a few days depending on the catalogue, if you are approved for a credit account you will then be set with an initial credit limit.

How Do I Apply For A Credit Account?
What does a credit application require?

What does a credit application require?

When applying you will be asked for personal information such as your full name, address and date of birth, if you’ve changed address within 2 years you may be asked to give previous addresses to help identify you. It is very important that you take time to properly fill out the application, missed questions and wrongly entered personal information may delay your application or make you ineligible for an account.

Will I be credit checked?

The simple answer is YES, all catalogues will carry out a credit check to help verify your identity and check your credit status before allowing you to make purchases.

It is essential for catalogue companies to carry out these checks, as they need to protect themselves against lending to irresponsible candidates, but they also need to carry out these checks to make sure they are in compliance with the responsible lending legislation which requires identify and credit checks before a lender gives out credit to customers.

To help improve your chances of approval for fiance with a catalogue, make sure you are registered on the electoral roll.

Credit Checks
When do I find out if I’ve been approved credit?

When do I find out if I’ve been approved credit?

Approval time all depends on the catalogue company you choose, some catalogue companies will let you know instantaneously while other may notify you by email, phone or post within a few hours or days. Not all applications are approved or rejected immediately, some applications may be passed to the underwriting team for a final decision. If you find you are rejected for credit you will still be able to purchase the item but you will need to pay for the item upfront.

What credit limit will I get?

If you're approved for a credit account, personal account for shopping account with a catalogue you will be issued with a credit limit. This credit limit amount can be anywhere between £100 up to a £1000. When issuing your credit limit, catalogue companies take into account a number of different variables when determining how much credit to extend to you. They will asses your credit score, employment status, where you live and any outstanding debit or credit you already have.

What credit limit will I get?
Credit for Catalogues

If I’ve been approved credit for one catalogue, can I apply for another?

This all depends, some catalogue groups, work on a one per household policy, whereas others may allow you have more a catalogue with one or more under their ownership group. Just because you can get a catalogues doesn’t mean you should start to apply for more than just one.

Whenever you apply for credit your search will be run and a mark will be recorded on your credit file, having too many searches run by applying for catalogues can affect your credit score and leave a negative impact. A good rule of credit is to only apply for two pieces every 6 months, making regular payments on time will help to increase your approval rating when you apply for more catalogues.

How can I increase my chances of getting credit?

There are very few things you can do, one is simply letting time pass by before applying again, in the meantime you should make sure all information you provide is correct and also making sure you're on the electoral roll.

If you’re applying for credit when initially purchasing an item try to keep the value of that item low, usually around the £100 to £150 mark. When you are approved always remember to make payments on time, as this can help to improve your credit ratings and chances of being approved for future credit.

How can I increase my chances of getting credit?
Can I still apply if I have bad credit history?

Can I still apply if I have bad credit history?

If you have a poor credit history you’ll still be able to apply for a personal credit account with a catalogue, while you might not be guaranteed to be approved, some companies may be willing to approve you. All catalogue companies have different credit checking criteria and some are easier to get approved for than others. For catalogues aimed at bad credit check out the section on our website.

For people who have a poor credit history but are approved for a catalogue may may be issued with a line of credit that seems initially quite low. By continuing to make purchases and paying it off in full when you can will help to improve your credit score which in turn could lead to the catalogue increasing your set credit limit. For anyone trying to improve their credit score then it’s essential that when you make purchases you keep up to date with payments and that you never miss one.

How Do I Pay?

When you shop with a credit account with a catalogue you will receive a statement which is a record of your purchases. You will have two payment options:

Using the credit option on your catalogue means you can spread the payments over a period of time that is flexible and affordable without having to pay for items all in one lump sum. Depending on the items you buy you’ll be able to spread the cost of the item over a number of weeks, months or years. You can pay your bill monthly, make partial payment weekly or fortnightly, as long as the monthly total is covered.

How Do I Pay?
Shopping with a personal account

Shopping with a personal account

When you choose to shop with your catalogue personal account, a small interest is leveraged in each payment, which is how the catalogue makes a profit. This APR rate in which the interest is applied may vary, so it’s vital to check the terms and conditions of each catalogue to make sure you choose an option that’s the most suitable for you.

People love the benefits these catalogue credit accounts give you, when you're on a tight budget it makes purchasing an essential appliance or the latest technology more affordable. Some items will simply always be too expensive to pay for up front, so paying for them on finance means it doesn’t have such a financial impact on their budget.

How Much Will Repayments Be?

Repayments vary from catalogue to catalogue, the typical minimum amount of the balance owed is usually £5 or 5%, whichever is greatest. The quicker you pay off an item taking on credit, the less interest you will pay. By maintaining a regular monthly payment, you could potentially qualify for a credit rating and the amount of credit on your catalogue account.

You should always remember to carefully read the terms and conditions before committing to a catalogue.

How Much Will Repayments Be?
Will My Credit Score Improve Using These Catalogues?

Will My Credit Score Improve Using These Catalogues?

If you use a credit account in the correct way and make regular payments, yes your credit score will improve, to achieve a better credit rating you need to prove you can repeatedly borrow money and then pay it back on time and in full. You will need to shop regularly with your account and make payments to build your credit rating. However if you happen to fall behind with payments or make a late payment, it can have a negative impact on your credit file.

What Happens If I Miss A Payment?

When purchasing goods with your catalogue using your credit account, it is important to keep up with payments, if you make late payment or miss a payment it can have a negative impact on your credit file. It is important to remember that any missed or late payments will stay on your credit file for six years and can impact your ability to borrow money in the future.

If you know that you’re going to have difficulty paying your account, remember to give the catalogue a call and they may be able to help; if it happened once in awhile you catalogue will usually be fine with it, if you're regularly making late payments or missing payments, then you could be at risk of the debt being passed onto a debt collector, which can lead to more financial problems such as CCJ’s

Missed Payments
What Happens If I Can’t Pay?

What Happens If I Can’t Pay?

When you can't pay your credit account, don’t ignore the problem. Letting non payments on your account to increase and build up interest can ultimately result in catalogue company suing a debt collector or taking out court action to obtain the money, which will create a severe impact on your credit file. If you contact the company and explain you situation, they can often come to a mutual agreement for repayment over a longer term and that’s more affordable for you, sometimes they may even freeze your account so you can’t make anymore purchases and you just pay back the amount you owe.

What Are The Legalities I Need To Be Aware Of?

With catalogue companies terms and conditions may vary from one to another, if you’re approved for a catalogue then it is advisable to print the terms and conditions out, so you know what to expect and what the legalities are.

What Are The Legalities I Need To Be Aware Of?
How Do I Return An Item I Don’t Like?

How Do I Return An Item I Don’t Like?

A major reason people can be put off by online catalogue shopping is the fact they can’t simply try on or see the items before they buy them. Everyone has become used to seeing items with their own eyes before buying them, that’s why online shopping especially for clothing and footwear.

To try and overcome this, many catalogues have now introduced size and fitting guides to help make it easier for their customers to choose the right items. No matter how careful you shop, even on the highstreet they’ll always be something that needs returning. Refund and return policies will vary from catalogue to catalogue, but most will happily refund or exchange they item if you are satisfied with it.

When you choose to return an item to a catalogue, some companies will not pay the return costs whereas some will, reading the fine print will outline each company's individual policies.

What If My Application Is Denied?

If you’re denied an application for credit account with a catalogue, then you should check your own credit report to ensure that all information is correct, if they’re any errors then you should take the appropriate measures to correct any you may find. Credit reports can sometimes contain errors or information that is inaccurate which can impact your credit rating.

What If My Application Is Denied?
Are You Registered To Vote?

Are You Registered To Vote?

Check the electoral roll and registered to vote, with the common assumption that you’re automatically registered to vote, but this isn’t the case. Not being registered can impact on your ability to obtain credit.

Is there a County Court Judgement (CCJ) On Your Credit FIle?

If you have a CCJ on your file then this will stay on your account for 6 years even if the debt has been repaid.

Is there a County Court Judgement (CCJ) On Your Credit FIle?
Are There Any Defaults On Your Credit File?

Are There Any Defaults On Your Credit File?

If you’ve previously defaulted on payments these will stay on your account for 6 years, some catalogues automatically reject people with CCJ’s or credit defaults on their credit file.

Do You Make Regular Payments?

If you have utility bills, phone bills or other types of credit, it’s important to make sure you make regular payments, this will help to improve your credit rating.

Do You Make Regular Payments?
Are you lacking credit history?

Are you lacking credit history?

People who are young or never had credit history may find it hard to borrow money. However by having no credit history at all it can be hard to obtain initial credit, as there is no record of your previous financial payments. If you do have no credit history then you may be able to appeal a denied application as long as you can prove that you’re responsible with money.

Enjoy Shopping Online using Catalogues with Credit

Enjoying home shopping with a hardback or online catalogue is ideal for any modern consumer. Time and finances are a premium, by being able to shop online using a catalogue credit account it makes it easy to afford the items you need or want but can’t essentially afford straight away.

By buying items using a pay weekly or pay monthly credit catalogue it can be easy to obtain the items you need or want without without having to pay a large upfront cost. When purchasing items it is important to think in the long term about your financial situation to ensure you can afford it with the amount of money you have to spend.

Some catalogue services offer payments over 100 weeks (2 years) or 150 weeks (3 years). It is important to make sure you can afford the regular payments over this period so it doesn’t affect your credit rating. If you’re unsure then hold off or purchase an item on a shorter more affordable term.

If shopping with a credit account seems affordable and manageable, then by taking out a credit account you’ll be able to enjoy all the conveniences catalogue shopping has to offer.

Enjoy Shopping Online using Catalogues with Credit