At catalogues for bad credit, we aim to guide you in the right direction if you are looking to buy something through credit.
If you do not have a credit score or have a low credit score, you can still find pay weekly catalogues willing to have you as a customer.
Pay weekly catalogues allow you to spread the cost of the purchase out across a period of time, and you will pay it off through weekly payments. It is important to not spend more than you can afford, as you may get behind on payments and pay out even more in interest.
What are pay weekly catalogues?
Pay weekly catalogues offer an affordable instalment plan to pay off purchases. So, if you decide to pay weekly then the overall cost will be shared in equal instalments throughout how many weeks you choose to pay it off in.
Using buy now pay later options offer a much more manageable option rather than paying a lump sum upfront. For this reason, it is becoming an increasingly popular option in the UK.
You may choose to pay weekly rather than monthly if your payroll is on a weekly or bi-weekly basis, which will make it easier for you to budget your spending.
Another reason you might choose to pay weekly is if you work on a weekly budget. Weekly payments work out less than monthly payments, so it can often be more manageable than forking out a large monthly payment each month.
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.
Pay weekly catalogues have many benefits, which make your financial life much easier. For example, you can buy expensive yet essential items like mobile phones, appliances and computers in easier payments rather than a huge upfront payment which in many cases is unaffordable.
By spreading the cost of these items, you will be able to enjoy your purchase without breaking the bank. Also, many catalogue companies will sell the products for the lowest possible price to you and there are hundreds of offers available on different sites.
A great thing about pay weekly catalogues is that you can purchase almost anything in them, whether you are looking for new toys, clothes, furniture or technology – you will be able to find it. You can find all of these items in one place, rather than having to take hours out of your day to go shopping and go between different stores.
Within a few quick clicks, you can purchase what you need and all you need to do is wait for it to arrive.
Another benefit of pay weekly catalogues is that many of them do not hold it against you if you have no credit history or a low credit score, and some companies do not run credit checks. You will still get all of the same benefits as customers with high credit scores.
If you have no credit history or a low credit score, that is even more the reason to use a pay weekly catalogue. Using this as a payment option can increase your credit score as it shows you are reliable with payments and a trustworthy customer. So if you are looking to buy something large on credit (e.g. a car or holiday) then starting off small is a great place to start.
7 Best Pay Weekly Catalogues
Littlewoods is a very popular pay weekly catalogue. Littlewoods offer a pay weekly scheme, so the cost of your purchase can either be spread across 20 or 52 weeks if it cost over £250. This is interest free if you pay it off within the time you decided on. A great offer they provide is 20% off your first credit order.
Freemans is a clothing specialist catalogue, but they do offer other products too like appliances. Freemans offer a ‘Flexiway’ account, which allows you to spread payments over a period of time.
If you spend over £100, you can pay interest-free over the course of 12 months in any amounts that you would like. A great benefit of creating a Flexiway account is that you get 25% off your first order!
3. Sunshine Mobile
Sunshine Mobile is a fantastic service that allows you to buy a mobile phone and pay it off weekly. 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 to make phone payments affordable and start boosting their credit score.
Argos have great credit payment options, you can pay off in any amounts that you would like over the course of either 3 or 6 months interest free (as long as you pay it off within this time). 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.
5. JD Williams
JD Williams is a pay weekly catalogue that specialises in clothing for men, women and children. A great offer that JD Williams provides is 20% off your first order. 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, and they offer a Flexiway account, which allows you to pay in instalments interest free over a certain amount of time. A fantastic benefit of creating a Flexiway account is that you get 25% off your first order!
Zilch allows you to pay off the money you have spent over 6 weeks. You can get up to a £200 credit limit, which is interest free if you pay off your account within 6 weeks. However, they do ask for an upfront payment of 25%.
How do pay weekly catalogues work?
Firstly, you need to choose the item you would like to buy. Then you will select the payment plan that suits your budget. Then the catalogue will tell you the weekly price and how you pay it as each site differs, some take automatic payments whilst others you will have to pay manually.
When should I use pay weekly catalogues?
You should use weekly 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