If you keep getting declined for regular home shopping catalogues due to bad credit, there are still options available to you. One such option is the Easiest Catalogue to Get with Bad Credit UK, which is specifically designed for those with a less-than-perfect credit rating. You can visit their website at https://easiestcataloguetogetwithbadcredit.co.uk to learn more about their products and services. Remember to always borrow responsibly and only buy what you can afford to pay back.

Finally you can get a catalogue credit account even with bad credit history
Finally you can get a catalogue credit account even with bad credit history

Declined Application for Pay Monthly Catalogue because of low credit score?

If your application for a pay monthly catalogue gets declined, it’s likely because of a failed credit check that didn’t meet the credit checking criteria. All catalogue applications go through credit scoring. You can check your credit report to see if there are any issues, such as missed repayments or defaulted credit agreements. Keep in mind, this information will stay on your credit file for six years.

Bad Credit Pay Monthly Catalogues

Remember, catalogue companies are often more lenient when it comes to credit approval. If you haven’t applied to a prime credit catalogue, it’s worth a try.

Pay Weekly Catalogue Affordability Checks

When you apply for a catalogue personal account, the company will check your credit report with a credit reference agency to make sure you can afford the monthly repayments. They’ll look at your annual income and current debt levels and assess whether you are eligible for instant credit or not.

Online Catalogue Shopping with Pay Monthly Catalogues

Once you’re approved for a catalogue, you won’t have to pay upfront fees. Just make sure to honour your buy now, pay later pledge and make regular payments to avoid penalties and improve your credit rating.

Create a pay monthly catalogue account for shopping online
Create a pay monthly catalogue account for shopping online

Choosing the Right Credit Check Catalogue

Although no credit check catalogues are not available, you can still choose a credit check catalogue company that accepts bad credit and start shopping from home. Just make sure to play your part in improving your credit rating by making prompt payments.


Zilch is a new credit lending company that does things differently, especially for those with less-than-perfect credit. When you join Zilch, you get a credit limit of up to £200 for six weeks, interest-free. Zilch doesn’t have interest rates like other companies. Instead, they make money when you shop at one of the 5,500 retailers they work with.

To become a Zilch customer, simply sign up on their website. Everyone is accepted. Zilch offers 6 weeks to pay for credit, but requires 25% of the cost upfront as commitment to their credit terms. You can buy from over 5,500 different retailers, including Amazon, ASOS, H&M, and JD.

Sunshine Mobile – Top rated bad credit catalogue

Sunshine Mobile is a UK company that offers mobile phone contracts, even if you have a poor credit score. They don’t check your credit history, but look at your credit future instead. To become a Sunshine Mobile customer, go to their website and create an account. Choose the phone you want, and finish your application choosing the monthly payments.

After choosing a phone, you need to join the company’s network for 12 weeks by choosing one of their starter packages. After making regular payments for three months, Sunshine Mobile will send your new phone directly to you.

Sunshine Mobile has flexible payment plans, and the new Flexible Payment Plan lets you control when you pay. You can pay with a credit or debit card. You can get any mobile phone, including the latest iPhone and Samsung Galaxy models, such as the Samsung Galaxy Note 8, Galaxy S9, iPhone 8 Plus, and P20 Pro.


Dial-a-TV is a rental company that has been helping people, including those with bad credit, to get electronic products at low prices since 1991. They offer a range of household electronics, like TVs, fridge freezers, vacuum cleaners, and also mobile phones, laptops, tablets, and game consoles.

With Dial-a-TV, you can rent to buy products with affordable monthly or weekly payments. And you don’t need to worry about repair costs, because they are included in the price. The company has over 25 years of experience and provides an affordable alternative to owning home equipment.

What is Rent to Buy? Rent to Buy is similar to catalogue finance. You order the product and pay towards the cost. Once you have paid the full amount, you own the product. This system adds security for catalogue companies.

What is their APR rate? Dial-a-TV has an APR of 4.5%, which is one of the most competitive and affordable rates for rent to buy products in the UK. This might explain why the company has been growing its customer base in recent years.

How to become a customer? Becoming a Dial-a-TV customer is easy. Follow these four steps:

  • Visit their website at www.dialatv.co.uk
  • Find the product you want and add it to your basket
  • Submit an order form
  • Confirm your order and complete the application by phone and pay your first rental using a credit or debit card.

Payment Terms: Dial-a-TV has simple payment terms. All prices on their website are for monthly Direct Debit unless stated otherwise. You can also pay weekly by Standing Order. You can use a credit or debit card to make payments.

What can you buy? Dial-a-TV offers a variety of electronic products, including tumble dryers, washing machines, TVs, fridge freezers, and cookers.

Bon Prix

Bonprix.com is an online catalogue that was founded in 2005 and offers women of all shapes and sizes fashionable items at affordable prices. Although they mainly stock women’s fashion, they also have a range of men’s and kids’ footwear and clothes. New customers get a 25% discount and free next day delivery on their first order.

What is their APR rate? Like many other catalogues, Bonprix has a representative APR rate of 34.9%. This rate is variable and lower than other online retailers. You also have multiple payment options to choose from.

How to become a customer? Becoming a Bonprix customer is easy. Visit www.bonprix.co.uk and sign up. The sign-up process will guide you through setting up your account. Once you have an account, you can browse products, add them to your basket, and complete your order.

Payment Options and Terms: Bonprix gives customers multiple payment options. You can pay with a credit or debit card when you place an order online or by phone. With a personal account, you have more flexibility. You can pay online, via phone, direct debit, internet banking, or cheque. The online retailer also allows you to spread costs and pay in monthly instalments.

What can you buy? At Bonprix, you can buy fashion products for women, men, and kids, including footwear and clothes. They have a large collection of clothes, including dresses, jackets, shirts, jeans, swimwear, sportswear, and knitwear, and accessories like belts, wallets, jewellery, watches, scarves, and more.


Marisota is a catalogue that provides plus-size clothing for women. They have everything from dresses to trousers. To become a customer, go to their website at www.marisota.co.uk and register your personal information. They accept various payment options, including online, post, phone, and bank. You can also spread your payments over time if you wish.


Freemans is a popular online store that sells fashion items for the whole family, as well as home appliances. To become a customer, go to www.freemans.com and sign up for an account. The retailer offers a 25% discount on your first order. They have a representative 34.9% APR rate and multiple payment options including credit or debit cards, and mobile phone payments. They also offer a buy-now-pay-later option.


Kaleidoscope is an online catalogue that offers discounted fashion items, home and garden equipment, mainly for women. To become a customer, go to www.kaleidoscope.co.uk and create an account. They offer new customers a 25% discount and free delivery on their first credit order. They have a representative 34.9% APR rate and accept credit or debit card payments, as well as phone payments. You can also shop on credit and pay in monthly instalments.


Check out Curvissa if you’re searching for plus size women’s fashion. Their catalogue has over 3000 top-quality fashion products in sizes 14 to 32. Create a personal account and receive a 30% discount and free delivery on your first order.

What’s the APR rate? Curvissa’s APR rate is 34.9%, a lower rate compared to other catalogues. This means you’ll save money shopping on credit with Curvissa. How do I become a customer?

Visit www.curvissa.co.uk and register by opening an account. Enter your email, create a password, add your address and billing information. Login and start shopping! Payment Options Curvissa offers buy now pay later options, letting customers spread the cost of purchases over a few weeks or months.

You can also pay in full at checkout. Payments can be made using debit or credit cards or even your phone. What can I buy? Curvissa only sells plus size women’s fashion items like dresses, jeans, tops, swimwear, footwear, and accessories.


If you’re looking for men’s clothes, Jacamo is a good choice. The website offers a range of items including clothing and small accessories. How do I become a customer? Go to www.jacamo.co.uk and fill out the registration form to become a customer.

Payment Options: Jacamo is a buy now pay later website. You’ll receive a statement after 28 days, and you can choose to pay the minimum amount or the entire bill. Paying on time can earn you bonuses. What can I buy? Jacamo is famous for its plus size clothing for men and footwear.

Fashion World

For over a decade, Fashion World has been a go-to for fashion. The website is easy to navigate and they offer next day delivery. How do I become a customer? Becoming a customer is easy. Go to www.fashionworld.co.uk and fill out the online registration form with your personal details, address, and other information.

Creating an account and getting credit is hassle-free. Payment Options Fashion World gives customers the option to pay in full or spread the payments over monthly instalments.

What can I buy? Fashion World mainly sells fashionable clothing, but they also have electrical appliances, gift items, and home essentials in their catalogue.