Home2

Any other options?

If you have a very bad credit rating, then obtaining catalogues for home furniture, clothing or electrical devices above may be the only home shopping catalogues which will accept you as a customer until you improve it. However, depending on how severe your credit rating is, you may still be accepted by the more popular home shopping brands such as Littlewoods and Very.

These companies tend to have their own credit checking criteria and this simply means that if you are declined by one company, it doesn’t mean you won’t be accepted by another. Everyone’s personal circumstances are different, and ultimately it will depend on your individual credit rating whether you are approved or not.

My advice would be to try and get accepted for finance with the ‘normal’ home shopping catalogue companies first. Should you keep getting declined, then your only option is to apply with catalogues specifically for bad credit, who although may charge a little higher than most, you will be virtually guaranteed for acceptance.

Buy Now Pay Later No Credit Check Catalogues – Do They Exist?

If you have been labeled as a bad credit customer, no credit check catalogues may seem like a great way to get finance, but unfortunately, they do not really exist as all catalogue companies will require you to pass a credit check of some sort before approving your account. This is done to prevent fraud and to make sure you can make repayments on time.

Bad credit can occur due to various reasons and some of which are beyond our control. This does not mean that as a customer one cannot buy on credit again. Even if you are suffering from bad credit, it is still possible for you to get a catalogue account, especially by looking through out list of catalogues for bad credit that we have provided.

Do Catalogues Offer Instant Approval & Credit?

Most catalogues will give you an instant answer so yes, in a sense. However, let’s look at the basics first. As an applicant, one must be aged eighteen years and above. This is to ensure that the company which is offering this facility only deals with adult as defined by the law.

These are people who can be answerable in a court of law in case of any issues that may arise in the course of the contract period. This also means that the person who is entering this contract has the capacity to understand what he or she is committing to.

Apart from the requirement of age, the applicant has to show that he or she has a registered address and a verifiable income.

This is to satisfy the issuing company that the applicant is capable of providing the finance. Companies do this to verify your previous relationship with credit and finance. A bank account is also usually required for somebody to qualify for credit catalogues. Most lesser strict catalogue company’s will general offer instant credit and instant approval on these standard factors.