How to Obtain Credit with the Easiest Catalogue for Bad Credit History

Unlock £500 Credit with Yes Catalogue - Shop Now!

Unlock £500 Credit with Yes Catalogue - Shop Now!

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£650 Credit - Shop Your Way with Accepted Catalogue - Simple and Fast!

£650 Credit - Shop Your Way with Accepted Catalogue - Simple and Fast!

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The Yes Network - No-Hassle Mobile Plans for Everyone!

The Yes Network - No-Hassle Mobile Plans for Everyone!

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£160 Grocery Credit - Flava Groceries - Shop for Food on Credit, Hassle-Free!

£160 Grocery Credit - Flava Groceries - Shop for Food on Credit, Hassle-Free!

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£500 Credit! - Flava Home - Your Go-To for the Hottest Tech & Gadgets

£500 Credit! - Flava Home - Your Go-To for the Hottest Tech & Gadgets

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With a plethora of catalogue companies available, choosing the easiest catalogue to get with bad credit can be a daunting task. The eligibility criteria for each company varies, and even if you have a poor credit history, you may still be approved by some.

Pay Monthly Catalogues

When approved for a pay monthly catalogue, you won’t need to pay upfront fees as the payments are based on a finance term. It’s important to keep up with the payments as specified in the “buy now, pay later” agreement. This is a special opportunity given to you, despite having a poor credit score elsewhere.

Find a pay weekly catalogue - get mobile phone contracts with catalogue credit
Find a pay weekly catalogue – get mobile phone contracts with catalogue credit

These catalogues are offered by companies that understand not everyone with a low credit rating deserves it. Some individuals may have found themselves in such a situation due to circumstances beyond their control or were unable to complete their loans, and the banks did not take this into consideration.

To make the most of this opportunity, it’s advisable to be a responsible customer by promptly paying what is owed. This not only keeps you in good standing with the company, but it also helps improve your credit rating as the company typically reports back to credit agencies such as Experian, indicating whether you are making timely payments or not.

While no credit check catalogues are not readily available, you can still choose a catalogue that accepts poor credit and start shopping from the comfort of your home. Once you have found the best option, it’s important to do your part in improving your credit score by making timely payments.

easiest catalogue to get with bad credit

Buy Now Pay Later Catalogues with No Credit Checks

If you have a bad credit history, you may be searching for a “no credit check” catalogue as a way to get finance. However, it is important to note that such catalogues do not exist, as all catalogue companies will perform some form of credit check before approving your account. This is to prevent fraud and to ensure that you are able to make repayments on time.

Can You Get a Catalogue Account with Bad Credit?

Despite having a bad credit history, it is still possible for you to get a catalogue account. We have provided a list of catalogues that cater to customers with bad credit, so you can find the best option for your needs.

These catalogues typically operate with a different set of criteria than traditional lenders. While they may still perform credit checks, they often consider additional factors beyond just your credit score when evaluating your application. This could include factors such as your income, employment status, and overall financial stability.

By catering to customers with bad credit, these catalogues provide an opportunity for individuals to rebuild their credit history and demonstrate responsible financial behavior. By making timely payments on their catalogue purchases, customers can gradually improve their creditworthiness over time.

Shop online for convenience

Instant Approval and Credit from the Easiest Catalogues for Bad Credit

Most catalogues will give you an instant answer on whether you have been approved or not. However, there are certain criteria that you must meet in order to be eligible. You must be at least 18 years old and have a registered address, verifiable income, and a bank account. These requirements are in place to ensure that you are capable of making repayments and to verify your previous relationship with credit and finance. Catalogues with less strict requirements may offer instant credit and approval based on these factors.

Now let’s have a look at some of the easiest catalogue to get with bad credit for people with low credit score.

Zilch – A Revolutionary Credit Lending Company

Zilch is a new credit lending company that operates differently and offers an advantage for those with below-average credit. Upon joining Zilch, you will receive a credit limit of up to £200, interest-free, for six weeks.

APR Rate

Zilch does not apply interest rates as they earn revenue when you shop at one of the 5,500 retailers they work with. For further information, kindly check their FAQ section.

Becoming a Customer of credit catalogues

Joining Zilch is a straightforward process, and everyone is accepted. Simply click the sign-up button to start shopping right away.

Payment Terms on weekly catalogue

Zilch offers a payment term of six weeks for credit issued. However, they require a 25% upfront payment of the cost of goods as a commitment to the credit terms.

What Can You Buy?

Zilch partners with over 5,500 retailers such as Amazon, ASOS, H&M, JD, and other major high street brands and stores.

Bonprix – Affordable Fashion for All Sizes

Founded in 2005, Bonprix is an online catalogue that offers women of all shapes and sizes amazing fashion items at affordable prices. While the retailer primarily stocks women’s fashion products, they also offer a variety of men’s and children’s items, including footwear and clothing. New customers receive a 25% discount and free next-day delivery on their first order.

APR Rate on this bad credit catalogue

Like many other catalogues, Bonprix has a representative APR rate of 34.9%. This APR is variable and much lower compared to other online retailers. Additionally, they offer multiple payment options, giving you control over how you pay for your items.

Becoming a Customer

Becoming a Bonprix customer is simple. Visit and sign up for an account. The sign-up page will guide you through the process of setting up your account. Once you have set up an account, you can browse items and complete your order by adding items to your online basket and clicking checkout.

Payment Options and Terms

Bonprix offers multiple payment options for their products. You can make full payments using credit or debit cards at checkout, either online or via phone. With a personal account, you have more flexibility, and you can pay online, via phone, direct debit, internet banking, or by cheque. The online retailer also allows you to spread costs by paying in monthly installments.

What Can You Buy?

At Bonprix, you can purchase women’s, men’s, and children’s fashion products, including footwear and clothing. They have a wide collection of clothing, including dresses, jackets, shirts, jeans, swimwear, sportswear, and knitwear, as well as various accessories such as belts, wallets, jewellery, watches, scarves, and more.

Curvissa: Your One-Stop Shop for Plus-Size Women’s Fashion

Curvissa offers a wide selection of high-quality fashion products in sizes 14 to 32, exclusively for plus-size women. With over 3000 items to choose from, you’ll be able to find the perfect outfit for any occasion. By opening a personal account, you’ll receive a 30% discount and free delivery on your first order.

APR Rate at Curvissa

The APR rate at Curvissa is set at 34.9%, which is a representative variable APR. This rate is lower than what other catalogues offer, meaning you’ll save money when shopping on credit at Curvissa.

Becoming a Customer

Becoming a customer at Curvissa is easy. Simply visit their website at and register by opening an account. Enter your email address, create a password, enter your address and billing information, and start shopping.

Payment Terms

Curvissa offers a buy-now-pay-later option, allowing you to spread the cost of your purchases over several weeks or months. You can also choose to pay in full at checkout. Payments can be made via debit or credit cards or even your phone.

What Can You Buy?

Curvissa stocks only plus-size women’s fashion products, including clothes such as dresses, jeans, coats and jackets, tops, leggings, and skirts. They also offer swimwear, footwear, and accessories like scarves, sunglasses, jewellery, and more.

Catalogues for bad credit offer flexible options to shop online

Fashion World: A Decade of Fashionable Clothing and More

Fashion World has been providing fashionable clothing for over a decade. With a focus solely on fashion, their website design is both brilliant and straightforward. In addition to their buy-now-pay-later option, they even guarantee next-day delivery.

Becoming a Customer

Becoming a customer at Fashion World is easy. Simply visit their website at and fill out the online registration form. Enter your personal details, current address, and delivery address, and you’ll be ready to shop. The company is known for its great service, so you can shop with ease and confidence.

Payment Options

Fashion World offers two payment options – pay in full or spread the payments via monthly instalments.

What Can You Buy?

Fashion World is primarily known for its fashionable clothing, but they also offer electrical appliances, gift items, and home essentials. Browse their catalogue of goods to find what you’re looking for.

How to Make the Most of Your Shopping Experience at Viva La Diva

Viva La Diva is a leading online retailer of high-quality shoes, designed for women who love footwear. To ensure you get the best out of your shopping experience, here are some tips to keep in mind.

Discount Code & Promotional Offers

New customers can enjoy 10% off and free delivery by using the discount code CQHC5 at checkout.

Product Search

Use the search facility located at the top of each page to find the product you want. You can search using a keyword or item number. If using an item number, keep in mind it is seven digits long and may be displayed on the website, advertisement, or catalogue. When searching with keywords, use descriptive terms such as “wedge boots” instead of general terms like “ladies boots.”

Quick Order Form

If you know the specific shoes you want, including size and width, use the quick order form located at the top of each page. This allows you to order up to nine items and view your order immediately. Before finalizing, you will be informed of stock availability and receive product recommendations based on the Fashion Editor’s preferences.

Browse Category Ranges

Browse through the category ranges and sub-categories to find the perfect footwear for you. Consider not only the style but also size and width for a comfortable fit. There is a wide range of sizes and widths available, and you can also view the best-selling products in each category by price.

Adding to Your Bag

Once you have selected your shoes and accompanying handbags, you can add a personalised message to your products. Click the “Add to Bag” button to view information on stock availability and extended warranty options. If a product is out of stock, delivery may take longer. Click “Go to Checkout” to finalize your order.

Delivery Options

During checkout, you have the option to specify where to send your order. Note that the billing address must be verified.

Payment Options

Viva La Diva offers various payment options, including debit and credit cards. Your information will be saved for future purchases to simplify future transactions. Use the “Add New Card” button if you wish to use a new card.

Flexible pay monthly options with bad credit

JD Williams: The Plus-Size Women’s Clothing Catalogue

JD Williams is a shopping catalogue that offers clothing and accessories for plus-size women, as well as men’s clothing, footwear, electricals, home and garden merchandise. Customers can choose to shop online or through the print catalogue, with items shipped straight to their home. Most orders are delivered within 3 to 5 business days, although larger or specialty items may take longer or incur additional delivery fees. JD Williams also offers a next-day delivery option for an extra fee of £3.99.

Personal Credit Accounts for JD Williams

For those looking to purchase clothing or accessories with a credit account, JD Williams offers personal credit accounts, even for customers with less-than-perfect credit. The cost of the merchandise is spread out over a longer period, and the application process for an online credit account is simple. If approved, customers receive a credit limit of £100. Applicants must be UK residents and at least 18 years of age. A minimum payment is due each month, and the company sends a statement every 28 days with the details of the customer’s orders and outstanding balance. The minimum monthly payment is one twelfth of the balance, with a minimum payment of £5. Over time, the monthly payment amount may be reduced with consistent payment history.

Terms and Interest Rates

JD Williams has an interest rate of 34.1% variable per annum (equivalent to 39.9% APR variable). The company reserves the right to change the interest rate with 21 days’ written notice. Missed or partial payments may incur an administrative fee of £12, and repeated missed payments may result in collection agency charges and the possibility of a county court judgment (CCJ). Despite the penalties, having a personal credit account with JD Williams offers the convenience of buying now and paying later.

Making Payments on a JD Williams Personal Account

Customers can make monthly payments on their JD Williams personal account using a credit or debit card, by post or phone, or through online or phone banking. Direct debit is also an option, and payments can be made at a Payzone store, bank, or post office.

Daxon: A Legacy of Over 60 Years

Daxon, a brand under the Redcats group, has a rich history dating back to 1947 when it was established in France as Movitex, manufacturing triboxlectrically charged underwear for the elderly. In 1951, it ventured into mail order under the Thermovitex brand and later, in 1974, the first Daxon catalogue was distributed. By 2001, Daxon’s goods were made available for purchase online. Today, Daxon still caters to the 50+ age group, offering a wider range of products compared to its early years.

Choice: A Part of Shop Direct

Choice Mail Order, previously owned by Henry Wigfall & Son Ltd., was acquired by Great Universal Stores in 1977. In 2004, the Barclay brothers purchased the GUS catalogue portfolio and merged it into Shop Direct along with its Littlewoods brands, making Choice a part of the Shop Direct group.

shop online with pay monthly catalogues

John Lewis: A Unique Retail Business

John Lewis, a retail business established in 1864 with a small draper’s shop in Oxford Street, London, has a unique history. In 1905, John Lewis acquired the Peter Jones store in Sloane Square and by 1920, his son John Spedan Lewis founded a partnership with the aim of sharing profits with employees, known as partners. The business flourished in the 20th century and continues to reward its partners with an annual bonus based on company performance. The John Lewis catalogue and online presence offer a carefully selected range of products from its stores.

Conclusion on how to find the easiest catalogue to get with bad credit

Navigating the world of catalogues can be challenging, especially when you’re looking for the easiest catalogue to get with bad credit. However, as we’ve explored, several catalogues are specifically designed to accommodate those with bad credit, providing a viable path to rebuild your credit while enjoying flexible payment options.

From pay monthly catalogues to instant approval options, these catalogues offer a range of benefits, including no upfront fees and the opportunity to demonstrate responsible financial behavior. Companies like Zilch, Bonprix, Curvissa, and JD Williams stand out as some of the easiest catalogues to get with bad credit, offering generous terms and various payment plans to suit different needs.

Remember, while these catalogues provide an accessible way to shop and improve your credit score, it’s essential to make timely payments and stay within your budget. By doing so, you’ll not only enjoy the convenience and variety these catalogues offer but also gradually enhance your creditworthiness over time.

In conclusion, if you have a poor credit history, don’t be discouraged. With careful selection and responsible usage, the easiest catalogues to get with bad credit can be a stepping stone to better financial health and more shopping opportunities.

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