Our aim at catalogues for bad credit is to guide you in the right direction if you are looking to buy something through credit.
Even if you do not have a credit score or have a low credit score, some catalogues will welcome you as a customer, and this fact should not hold you back from buying the things you need or want if money is low.
Some catalogues will let you spread the cost out and put you on a monthly repayment plan. However, it is important to not spend more than you can afford every month otherwise you may get behind on payments and pay out a lot in interest.
What are pay monthly catalogues?
Pay monthly catalogues is a fantastic way to make your finances more manageable. This type of catalogue will spread the cost of the item(s) out over a few months, and then you will pay it off in fixed monthly instalments.
Paying off items in instalments is a much more manageable option, and it is becoming increasingly popular in the UK.
There are many benefits of using pay monthly plans. Firstly, using this payment option will allow you to buy higher-priced items like mobile phones, appliances and computers whilst avoiding having to pay a lump sum.
All of these items are very expensive and unaffordable if you have to pay upfront. But, spreading the cost will allow you to get the item whilst not breaking the bank. Often catalogue companies will sell it for the lowest possible price and have many offers available.
You can purchase almost anything in pay monthly catalogues such as technology, toys, clothes, furniture and much more! Which is a great benefit of using them as you can make everyday or occasional purchases easier. Although it might be tempting to purchase a lot through buy now and pay later options it is important to not spend beyond your means.
Many pay monthly catalogues will not hold it against you if you have no credit history or a low credit score. There are even some companies that do not run a credit check on you at all.
If you have no credit history or a low credit score, then paying monthly for purchases is a great way to improve your credit. As it shows that you are reliable with monthly payments. It is often worse to pay in a lump sum for this very reason.
Very is one of the most popular pay monthly catalogues. You can spread payments across equal monthly instalments. If you decide to pay over 3 months, then you do not have to pay interest.
Another great thing about pay monthly catalogues is that you can browse through them from the comfort of your own home. Within a few quick clicks, you can purchase what you need rather than having to take hours out of your day to go shopping. Once you have purchased, all you need to do is put your feet up and relax, as it will arrive straight to your door.
12 Best Pay Monthly Catalogues
Studio offers you the chance to pay off your item(s) in instalments over a 6, 9 and 12 month basis depending on how much you spend. If you pay off your purchase in 6 months then the purchase will be interest free. If you want to keep interest rates down but want to spread the cost over longer than 6 months you can do this by being timely with your payments and paying as much as you can (within reason) each month.
Very is one of the most popular pay monthly catalogues. You can spread payments across equal monthly instalments. If you decide to pay over 3 months, then you will not be charged interest.
It is important to keep in mind that if you do not pay the sum in the time they have given you, you will get a bill for a lump sum of compound interest. Compound interest will be calculated from the day of your purchase.
Littlewoods is another very popular monthly catalogue. You can either pay very little over a long time (adding more interest) or pay more over a shorter time (paying none to little interest). You can pause payments if you are having difficulty, but you will be expected to pay interest after your pause time is over.
Freemans sell a huge range of products, but their main focus is on clothing. Freemans offer a ‘Flexiway’ account, which allows you to spread payments over a few months. A great benefit of creating a Flexiway account is that you get 25% off your first order!
5. Sunshine Mobile
Sunshine Mobile is a pay monthly catalogue that allows you to buy a mobile phone for cheap. A great feature of this service is that it does not run a credit check on you! So anyone above the age of 18 can use this service.
Argos offer great credit payment options, and one of their best features is that if you pay off the amount in full in the time you said you would then you do not have to pay any interest. However, if you fail to pay it off within that time you will be charged compound interest, which is worked out from the day of your purchase.
Next specialises in fashion and homeware. If you pay your payments in time then you will not have to pay any interest. On your first credit purchase of over £15, you will get £10 off the order. There are other benefits of using Next’s credit schemes such as early access to their sales and buy now and pay later in-store options.
8. JD Williams
JD Williams specialises in clothing and has some different plans available. JD Williams offers you 20% off your first order and does not ask for any upfront payments. If you decide to pay off your purchase over 6 months, you will not need to pay any interest.
Kaleidoscope focuses on fashion and homeware with thousands of items to choose from! They offer a Flexiway account, which allows you to pay monthly. A fantastic benefit of creating a Flexiway account is that you get 25% off your first order!
10. Fashion World
Fashion World focuses on plus-size women’s clothing and accessories. They offer a credit account, which allows you to spread the payment out. But, if you are late to pay off your balance you are charged an administration fee of £12 and compound interest.
Jacamo sells a range of men’s clothing and accessories, and you can sign up for their credit account which allows you to pay monthly. If you are late to pay off your purchases then you are charged an administration fee of £12 as well as compound interest.
Curvissa is a plus-size women’s online clothing company that offers a Flexiway account, and they allow you to pay off your purchase (of over £100) over 12 months without having to pay interest if you have been with Flexiway for over 3 months!
How do pay monthly catalogues work?
Firstly, you need to choose the item you would like to buy. Then you will select your payment plan (e.g. 3, 6 or 12 months) that suits you. Then the catalogue will tell you the monthly price and how you pay it as each site differs.
When should I use pay monthly catalogues?
You should use monthly payment plans in certain circumstances such as:
- If you are going through a tough financial spot
- Occasions (Christmas or Birthdays)
- You need to quickly improve your credit score