Credit catalogues are exactly what they sound like. They are catalogues which sell electricals, home appliances, new clothing, shoes, accessories, and other items for home or personal care, and offer customers the opportunity to purchase items on finance and either pay later or spread the cost.

How does approval work?

With credit catalogues, you typically have to be 18 years of age or older to apply. Additionally, you’ll have to show proof of income, and you must have a UK-based address, for a minimum of 1-year with most catalogues.

Is there a credit check?

Yes, with nearly any credit catalogue you apply with they will run a credit check to determine eligibility. Not only to determine if they are going to extend financing to you as a customer, but also to determine your credit limit for products you are going to order through the catalogue sites.

What can you buy?

This really depends on the catalogue you choose to apply with. Some specialise in clothing, shoes and accessories. Other sites carry electricals, appliances, clothing, furniture, and other items. When comparing online catalogues, customers should not only consider the type of items they are going to buy, but the pricing and financing terms.

How long do you have to pay?

With most catalogues, there is more than one option. With some, they offer buy now pay later. This means you purchase items, they are delivered, and you only make payments monthly or weekly, after items are delivered. Some catalogues allow you to put off payments for an entire year, allowing you to put down a small amount up front, and pay the balance in full at the maturity date. Some offer down-payment, and equal installments which are automatically debited from your account weekly or monthly. It is important to compare the catalogues you are considering applying with, to find the repayment terms which work best for you.

Benefits of financing

There are many benefits of financing through catalogue credit sites. Among these are:

  • The ability to buy more, and not pay anything up front.
  • Greater selection and inventory (sites aren’t limited to a storage room in a shop).
  • More colours, selection, sizing, and products to choose from.
  • Shopping from the comfort of your home.

Some catalogues also offer interest free financing and other promotion. So, you can save even more when you choose to finance via these sites when shopping online.

Cons of financing

There are some drawbacks to finance catalogue shopping as well. First off, you can’t try on items or see them personally. You are ordering online, so if you aren’t happy, you have to return them, and wait till a later date to receive the items. You are going to pay interest as well, and you are subject to different terms and restrictions, based on the catalogue you choose to shop with. Many catalogues also require you to purchase a minimum amount in order to qualify. So, not all individuals are going to benefit from the savings offered on catalogue sites.

Do they approve anyone?

A high approval rate is delivered with catalogue sites. However, not every individual who meets the above criteria is approved. Like a credit card, catalogues have the right to deny financing to customers, or require a cosigner on some accounts. And, they can also limit the approval amount, if they do choose to offer financing to you, regardless of the amount you request when you apply for a line of credit. So, there are some restrictions, even if you are approved with the top catalogue sites.

Are they risky?

Catalogue sites are as risky as credit cards, loans, and other lines of credit. Remember, they do charge interest, you are subject to penalties and fines, if you don’t pay, there are repercussions. But, they are also safe in terms of reputation. Catalogue sites guarantee the items they sell, they offer free delivery and returns for most items if you are not happy with them for any reason, and you can also find a great deal of selection when shopping with different catalogue sites.

So, as long as you are a responsible buyer, don’t overspend, and do not utilise the credit in a way you won’t be able to repay, you should not run into any problems when you choose to do your shopping with online credit catalogues.

Are there purchase restrictions?

With most catalogues, there is a minimum required amount, typically £50 or more, for you to be able to order online. So, if you are not planning on spending this much, then catalogue credit might not be the right option for you. There are often restrictions of what you can’t or can order, so you should familiarise yourself with the terms of purchase, before you decide to apply for a line of credit.

Make sure you can order the items you want to order online, and know the restrictions in terms of financing limits and amounts, to ensure you do apply for the right site, catalogue, and that you are choosing the best catalogue for the specific items you plan on ordering online with the many different sites there are to choose from.

Catalogue shopping is a great way to build credit, to find items you can’t find in stores, or to otherwise save on the items you already plan on purchasing, all from the comfort of your home. And, if properly utilised, there are many great benefits and perks for those who choose to do their shopping from the comfort of their home.

Before you do apply for a line of credit, or choose a catalogue to shop with, you should understand all terms and ordering restrictions. This is not only going to help you choose the right catalogue to order from but will also ensure you find the best terms and deals possible, for any and all items that you plan on ordering, from any of the top catalogue sites that you choose to apply for credit with.

List of Catalogues

Check out our list of the top UK credit catalogues including pay monthly, pay weekly and buy now pay later stores.

See Catalogues
pay monthly

Pay Monthly Catalogues

Pay monthly catalogues offer the most common type of spread the cost payment plan and boast decent interest rates.

pay weekly

Pay Weekly Catalogues

Paying weekly may sound easier and for some this might be the way to go, but beware, interest rates tend to be higher.

bad credit

Bad Credit Catalogues

Many of us have a poor credit rating, for numerous reasons. These catalogues have more lenient credit checks but higher interest charges.

buy now pay later

Pay Later Catalogues

Pay later catalogues are arguably the most popular credit catalogue, and usually offering an interest free period.

no credit check

No Credit Check Catalogues

Actual catalogues which don't credit check don't exist these days, but for those with no credit history, a poor credit catalogue might be suitable.

Recent Articles

How to choose the Best Credit Catalogue?

Before you start buying from a catalogue you should make sure you've chosen the right one for you!

Range of Products

Obviously, if the catalogue doesn't have what you want then it's a little difficult to start buying from it.

Finance Options

Buy now pay later, paying monthly, pay weekly. These are just some of the finance options available from catalogues.

Delivery & Returns

Some catalogues offer free delivery, some don't. Some offer free returns within 30 days, some don't.

Ready to start shopping?

Check out our List of Catalogues

Catalogues FAQ’s

If you are new to the world of catalogue shopping, there are many questions you need answered before you buy and apply for a line of credit. These are a few of the most common questions new customers, or potential customers may have, if they are contemplating opening a new line of credit with a particular catalogue site.

This truly depends on the catalogue you are planning to order through. You can find specialised catalogues which carry clothing, electricals, appliances, and home goods. Some specialise in home furniture, or items for the office. No matter what you are looking for, there is a catalogue which specialises or caters to your needs as an online shopper.

This depends on your account. If you don’t have an account with a catalogue, you can pay in full using a credit card online. If you have an account, most offer buy now pay later, which allows you to pay weekly or monthly for items. Others offer zero-down or interest free terms, and at the maturity date, you’ll pay the balance in full.

With most catalogues yes. There are however, certain introductory options offered by many catalogues. For example, with one catalogue if you order £250 or more, and choose the buy now, pay later for a 12-month plan, as long as you pay in full within those 12-months, you avoid interest. It is important to contact different catalogues to learn about interest free, and other promotions offered, so you avoid paying too much on interest rates for items you order.

If you want to pay in full, using a credit card, you can typically order as much or as little as you choose. However, if you plan on ordering with your finance account, most catalogues have a minimum limit in place, typically £50 or more. Again, you have to visit different catalogues and understand order limits and terms, to ensure you find one which works best for you when placing online orders.

Most catalogues offer free shipping with the minimum order, and free returns if you aren’t happy with items. In fact, many offers up to 30-days for you to try out an item, and return it without paying fees or penalties, if you aren’t happy with the items. So, as long as you return within the designated window, you can do so free of charge, and get a replacement or refund on the items you order online.

Catalogue vs High Street

When it comes to shopping, you have the option of doing so locally or buying through catalogues as a UK customer. Each has its perks and drawbacks. So, before you go ahead and make a huge purchase, consider a few of these pros and cons, of each, to ensure you not only find the best prices on items you are going to order, but also enjoy the overall shopping experience as well.

Catalogue Shopping

As is the case with shopping in stores, there are pros and cons you should consider if you plan on doing your shopping online. Some of the pros with catalogues include:

  • The lower prices. More discounts, promos, and offers are available to customers.
  • You can compare styles, fits, sizes, and find more selection. Online sites aren’t restricted to a back-room for holding inventory, so they carry more items.
  • More brands, styles, and selection. At local stores, you are usually limited to what’s on the rack.

The simple fact that prices are almost always cheaper, and you receive discounts, and can finance the purchases, allows you to buy more, without having to spend more.



As with most things there are always some disadvantages:

  • You can’t try items on, so you might have to return them a few times if the fit/size is off.
  • Colours may be altered by the monitor, so you don’t always love what you receive.
  • Sometimes there are issues with ordering and delays in shipment, so you wait longer to receive items you order.

Of course, there are some issues with online ordering. However, the great discounts, selection, and top designer name-brand items you can find online, does offset these drawbacks for those who love to shop via catalogue online.

High Street Shopping

When shopping in stores, there are many pros, including:

  • Trying on clothing and actually seeing the item/physically feeling it.
  • Comparing prices locally.
  • Finding the right fit and clothes which conforms to your body.
  • Finding the perfect colour or style you can’t find in catalogues.

You actually have the ‘shopping experience’ in stores. It isn’t a virtual catalogue, so you can try things on, and see how they fit.



With local high-street stores there are also some drawbacks you should consider including:

  • Higher priced items are sold in stores.
  • Fewer promotions, discounts, coupons, and online incentives (if any).
  • Less selection since stores have a smaller inventory.
  • You can’t custom order or personalise items like you can online.

You typically pay more when you shop locally; you also find less selection than you do via catalogues. So, these are a few things you should consider, if you plan on doing your shopping locally for new clothing, accessories, electricals, or other items you want to buy locally.

Summary

When the time comes to shop for clothing, shoes, accessories, electricals, or even appliances, there are many ways you can choose to shop, and several stores/sites you can visit. Because of this, you should familiarise yourself with the options, to ensure you make the right decision when shopping. Consider these factors when you are ready to order, to know you are going to find the best deals, more selection, and ensure the best shopping experience possible, for items you plan on ordering, or buying locally.

Different Catalogue Types?

Below you'll find links to some of the different types of catalogue available to you.

What if my Credit Application is Declined?

Credit card and line of credit applications are denied daily. Thousands of people, in fact, have these applications denied on a daily basis. And, even those who can afford payments on an account, and are responsible borrowers, have accounts denied. If you are in this situation, there are remedies, and sometimes even if you are denied up front, companies might reassess your application and approve you for a lower amount. Consider these steps if you are denied a line of credit.


Request a notification from the company

You have the right to know why they denied you, so find out. Companies are required to provide you a copy within 30 days, as to why you were denied. They will inform you of the process, and reasons why. If you learn why, and are satisfied, then the case dies. If, however, there was error in their decision, or there is inaccurate information in your credit history, you can contest the denial further.


Contact the credit bureaus

This will allow you to see if there is inaccurate information on your credit report. If so, you can fix it immediately and most companies will reassess your application. If there are errors, report them immediately. Doing so will not only increase chance of approval, but also instantly increase your credit score if it is adversely being affected by inaccurate information on the report.


Reduce your debts

Don’t simply go to another lender and apply. Give it some time. If the reason for denial was valid, make sure you start paying off open accounts. Reduce the debt amount you have, show companies are you a responsible borrower, and make all efforts to reduce the total debt you owe. This will help you get an approval from the next lender, for higher limits, and lower interest rates.


Reapply

Whether you choose to go to the same company or a different lender/credit card, once you’ve taken these steps, you have the right to reapply. In fact, if your credit report is fixed and you’ve lowered debt amounts, you may well get the approval. Sometimes it might be for a lower amount than you apply for, but it is at least a start. And, with some companies, once they reassess your application, they might approve you for more than you requested, if they see you are taking steps to remedy the reasons as to why they initially declined you.

Don’t just give in, or let things sit idly if you’ve been declined for a credit card or line of credit. You have rights, so make sure you know them, and take all steps to learn about the reason for denial.

After this, make proper changes, fix errors in your report, and if you are overspending, make sure to change those habits to show lenders you are responsible. Once you’ve fixed all errors and done what creditors requested, reapplying is the only way to find out if you will be approved, and to ensure you receive the amount of credit/loan you need, for the items you would like to purchase and pay off through an open line of credit with a specific lender.

Ready to start shopping?

Check out our List of Catalogues

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