Pay monthly catalogues and catalogues on finance, with bad credit
Which catalogues would accept you?
Bad credit doesn't rule you out everywhere. It rules you out of one kind of catalogue. Answer four questions and we'll point you at the kind that suits your history, so you're not collecting refusals.
Question 1 of 4
How would you describe your credit file?
01
Score cut-off
Mainstream catalogue accounts compare your score with a fixed line. Fall below it and it's an automatic no.
02
Affordability check
Some plans look at whether the payments fit your income today, not at what happened years ago.
03
Fixed payments
A set number of equal payments, so the balance can't grow and you know your end date.
Read before you apply anywhere
Short guides that answer the questions people ask us most.
Pay monthly catalogues on finance — how it works
Catalogues on finance let you spread the cost of everyday things instead of paying all at once. Pay monthly catalogues split an order into equal payments, while pay weekly catalogues do the same in smaller weekly steps. Both have a fixed end date, so the balance can't creep up.
If your credit file has defaults, CCJs or recent refusals, the kind of plan matters more than the shop. Mainstream catalogue accounts usually run a hard search and compare your score with a cut-off. Plans that look at affordability instead are often a better fit, and some no credit check catalogues start with a soft check that leaves no mark on your file.
Buy now pay later catalogues work in a similar way: you choose the item, pick weekly or monthly payments, and pay in instalments. Only choose payments you could still manage in a tight month.
For a first order, the first four payments build payment history before dispatch. Repeat orders can be dispatched without that first-order waiting period, subject to the partner shop's terms.
Shop by room
Loading…