'Guaranteed acceptance' catalogues: the honest answer
It's one of the most searched phrases by people with bad credit, and one of the most misleading.
Red flags
- A fee to "unlock" your limit before you've bought anything.
- No total amount payable shown before you agree.
- Pressure to decide today.
Questions people ask
Are there catalogues with guaranteed acceptance?
No. Responsible providers must check that repayments are affordable, so nobody can promise everyone a yes.
Why do sites say 'guaranteed'?
It's usually a marketing word. Read the small print: it often means everyone can apply, not that everyone is accepted.
What's the nearest thing to guaranteed?
An affordability-led plan with a soft check. It tells you where you stand without leaving a mark on your file.