If you’ve stumbled across this website, then chances are you have a bad credit history which is stopping you getting accepted for a home shopping catalogue. This article will show you how it is still possible to get approved for an online shopping catalogues even if you have a low credit score.
You may have applied with some catalogue stores only to have your application rejected because of a low credit score which is frustrating. Everyone deserves a second chance, right?
Kind of makes sense when you think about it. Your credit history is a record of how you managed your finances in the past and your ability to repay finance/credit – so if you’ve been late a number of times on payments, you’ve probably ended up with a reputation as someone who cannot repay their financial commitments.
Sorry. That’s the way it goes. No one is perfect. But catalogue companies want people who do have a perfect credit history. Would you give money to someone who you knew had troubles repaying in the past? Probably not. Same with these catalogue companies.
Is it all doom and gloom?
Nope. You can still access home shopping catalogues even if you have bad credit, take a look below for more information on which brands you can start with.
La Redoute is one of U.K’s most popular online shopping catalogs offering a variety of men, women, and kid’s clothes and footwear. The company has been around since 1969, working with various fashion designers. Even without money, you can shop today at La Redoute by opening a credit account. And the company allows customers up to three weeks to return products they no longer want to keep.
To become a customer, visit the retailer’s official website www.laredoute.co.uk, register, log in and start shopping. To register, you will be required to provide your email address and create a password with which you’ll be logging in to your account. You can then add stuff to your online basket and proceed to complete your order.
As noted, La Redoute allows its customers to spread costs incurred via their personal accounts. Customers can spread their payments weekly or monthly. And since it is a buy-now-pay-later website, as mentioned earlier, you do not need to have money to start shopping. The retailer allows you to open a credit account, shop, and make payments later.
Customers can pay their bills in full or in weekly or monthly installments. Payments can be made using credit or debits cards, as well as, via phone.
LaRedoute stocks a range of items including women, men, and kid’s clothes and footwear, women’s plus size wear, rugs, furniture, bedding and towels, kitchen and dining room stuff, bags, belts, et cetera. Visit their website today and get stuff at affordable prices.
Not exactly a catalogue but if you want a mobile phone contract for mobiles such as the latest Samsung Galaxy or iPhone model but your below-than-average credit score is getting in the way? Well, with Sunshine Mobile, you stand a chance to get it no matter how bad your credit history is.
SunshineMobile is a U.K company that offers mobile phone contracts with absolutely no credit history checks. This means that even individuals with the poorest credit score are 100 percent guaranteed to be accepted for a phone contract. Unlike other Networks, Sunshine Mobile looks at a customer’s credit future, not their credit history.
Becoming a Sunshine Mobile customer is simple. Visit their website at www.sunshinemobile.co.uk and create an account. Choose the phone you want from their extensive range of handsets, and proceed to finish your application.
After choosing your ideal mobile phone, you will be required to join the company’s network for just 12 weeks by selecting one of their amazing starter packages (SIM only or SIM plus Start phone package). After three months of making regular payments and proving that you can be a good customer, Sunshine Mobile will dispatch your new handset directly to you.
Sunshine Mobile has no strict payment terms. In fact, it is one of the mobile Networks with the most flexible payment plans. The company recently came up with a new Flexible Payment Plan which allows customers to set the date they would like their contracts to start. The plan also lets them to re-schedule future payments. This way, the customer is in complete control of when to pay. Payments can be made using credit or debit cards.
As mentioned earlier, you can get any handset including the latest iPhone and Samsung Galaxy models. Some of the handsets the company offers include;
• Samsung Galaxy Note 8, Galaxy Note 9
• Galaxy S9, Galaxy S8 Plus Galaxy S9 Plus
• iPhone 8 Plus, iPhone 7Plus
• iPhone XR
• P20 Pro, among others
Dial a TV is a rental firm which since its establishment in 1991, has helped many people, including those with bad credit to acquire electronic products at low prices. The company offers a wide range of household electronic products including televisions, fridge freezers, and vacuum cleaners. They also offer mobile phones, tablets, and game consoles.
Dial a TV allows customers to rent to buy products on affordable monthly or weekly payments. And you don’t have to worry about repair costs in case anything goes wrong since this is included in the price. With over 25 years in the industry, the company has been able to provide several individuals with an affordable alternative way to own home equipment.
What is rent to buy?
Rent to buy is a system which is the same as catalogue finance. You order the goods and pay towards the cost of the total amount. Once it is cleared you own the product. You do not own the product unless the full amount is paid. This is added security for many catalogue companies.
You can become a customer in a simple four-step online application process;
• Visit the company’s website at www.dialatv.co.uk.
• Look for the item you want, add it to your trolley and submit an order form
• The company will call you to confirm your order and complete the application
• Pay your first rental by credit or debit card
The company does not have any complicated payment terms. However, it is important to mention that all the prices quoted on the firm’s website are only for monthly Direct Debit unless stated otherwise. As noted, customers can pay using credit or debit cards. You can also pay by Standing Order weekly.
The company stocks a variety of electronic products which include;
• Tumble Dryers
• Washing machines
• Fridge freezers
• Vacuum cleaners
• Mobile phones, game consoles, tablets, among other products.
Founded in 2005, Bonprix.com, an online catalogue, has been bringing women of all sizes and shapes amazing fashion items at very affordable prices. While the online retailer mainly stocks women fashion products, you can also get a variety of men and kids’ items which include footwear and clothes. At present, all new customers receive a 25% discount and free next day delivery on their first order.
Becoming a Bon prix customer is simple. Visit www.bonprix.co.uk and open an account. The sign-up page will walk you through all the steps required to set up your account. Once you have set up an account, you can browse items and select what you want to buy. Drop the items on the online basket and click on it to complete your order
Bon prix allows customers multiple ways to pay for their products. Full payments are made using credit or debit cards at checkout whether the order has been placed via phone or online. However, with a personal account, you have more flexibility. You can pay online, through your phone, via direct debit, through internet banking, or by cheque. Note that the online retailer also allows you to spread costs so you can pay in monthly installments.
At Bon prix, you can buy women, men, and kids’ fashion products including footwear and clothes. The retailer has a vast collection of clothes including dresses, jackets, shirts, jeans, swimwear, sportswear, and knitwear. They also stock various accessories like belts, wallets, jewelry, watches, scarves, et cetera.
Freemans.com is one of the most popular one-stop style online store with a vast collection of fashion items for him, her and the kids. The catalogue also offers an extensive collection of home equipment including electric appliances. The company was founded in 1905 and has been working with various brands including Kaleidoscope, Lascana, Swimwear365, and Gifts365 to offer the latest fashion and styles.
Once you open a new personal account, the retailer gives you a 25% discount on your first order.
You will need an account with Freemans to make an order. Visit their website at www.freemans.com and sign up. The sign-up page will walk you through all the steps required to create your account. Once your account is set up, you can choose the items you are looking for and drop them into your bag. Click on the bag to complete the order.
Freemans offers customers a buy-now-pay-later option. After opening a personal account, choose items worth at least £100 and add them into your bag. At checkout, select pay using your Personal Account and select Buy Now Pay in 12 Months. This way, you get to spread the cost over 12 months. However, you can still pay the full amount at checkout.
You can use a credit or debit card or pay using your mobile phone.
Freemans stocks women, men, and kids’ fashion items which include clothes, footwear, swimwear, sports, and leisure stuff. You can also get house and garden products, as well as, electric appliances like freezers, TVs, toasters, washers and dryers, et cetera
Kaleidoscope is an online catalogue with a variety of products at discounted prices. While the online store is mainly known for stocking the latest wonderful fashion items, it also has a wide range of home and garden equipment. In their own words, “it is the detail that makes Kaleidoscope’s fashion so special.” However, the clothes and footwear available in this catalogue are mainly for women.
The retailer is currently offering new customers a 25% discount and free delivery on their first credit order.
Visit www.kaleidoscope.co.uk and open an account. You will only need to enter your email address and create a password. Once this is done, you can then browse products, choose what you want and add them to your bag. Click on the bag to complete your order.
While you can pay the full amount for your items outright, Kaleidoscope allows customers to shop on credit. So even if you don’t have the money right now, you can get items and pay later in monthly installments.
Customers can use credit or debit cards to make payments. You can also pay via phone. If you have a problem making payment, contact their call center for help.
The catalogue offers the latest women’s fashion items including bags and accessories, clothes, swimwear, nightwear, and jewelry. You also get a variety of footwear products shoes, boots, and sandals. Choose from the extensive range of party-wear which includes little black dresses, lace dresses, and tops from various party-wear brands. If you are looking for home and garden stuff, Kaleidoscope has you covered.
If you are looking for plus size women fashion items, then you should check out Curvisa. The catalogue exclusively offers plus size women fashion products. It has a wide selection of more than 3000 high-quality fashion products in sizes 14 to 32. And once you open a new personal account, you are automatically awarded a 30% discount and free delivery on your first order
Their website is www.curvissa.co.uk. Visit the site and register by opening an account. The registration process is simple; enter your email address and create a password. Enter your address and your billing information. Log in to your account and start shopping.
Curvisa is a buy now pay later website which means that customers can get items on credit. The catalogue allows customers to spread costs incurred over several weeks or months allowing you to easily stretch your budget. You can, however, choose to pay in full at checkout. Payments can be made via debit or credit cards. You can as well pay via your phone.
As mentioned, curvisa stocks women’s plus size fashion products only. Among the items, you can buy here include clothes like dresses, jeans, coats and jackets, tops, leggings, and skirts. You can also buy swimwear including cover-ups, Tankinis, swimsuits, mix, and match swimwear, bikinis, and swim-dresses. There is also a range of footwear items such as flats, boots, heels, sandals, trainers, wedges, slippers, etc. Others items include such accessories as scarves, sunglasses, belts, jewelry, umbrellas, hats, gloves, among other items.
Believe it or not, Fashion World has been around for more than a decade. The design of this shopping portal is truly brilliant. There’s no second guessing what it’s all about – fashion, no more no less. But that’s not the only thing great about this catalogue company.
They offer spread payment to extend any customer’s buying power (as expected). Other than the buy now pay later option on all items, they even guarantee next day delivery. If you’re hunting for something clever to wear for any head-turning occasion, then check out the clothing articles they have to offer.
Signing up for an account is rather easy. Their official website is www.fashionworld.co.uk. Fill out the online registration form, which means that you will be required to enter your personal details, your current address or delivery address, and other info.
Creating an account and getting credit in from Fashion World is pretty fluid. You can get everything set up easily. Ordering items as well the return process is equally hassle-free. The company is known for great service so you don’t really have to keep a tight watch on your blood pressure when you buy stuff from them.
Fashion World offers its customers a couple of payment options. You can either pay for the amount in full or you can spread the payments/payments via monthly installments.
This online catalogue site is primarily known for fashionable clothing. But they also have electrical appliances, gift items, and home essentials on their catalogue of goods.
Another online shopping catalogue website that you can try is Jacamo. It’s basically the place to go to for men’s clothes. You might have even seen and heard their ads and TV commercials one time or another. Just like any shopping portal on the Internet, they try to include some small items on the menu other than the main items.
To register for an account, head on to www.jacamo.co.uk and fill out their registration forms. No other information is needed and you’ll be credited almost immediately so you can begin shopping.
Remember that this is also a buy now pay later site. That means you don’t have to pay for everything up front. When the statement arrives after 28 days of your purchase you can pay the minimum amount if you wish or just pay the entire bill in full, whichever you like. Remember that they give you bonuses for good behavior so paying on time does have its perks.
Jacamo is best known for their plus size garments, which is great for guys who are larger in girth or who are taller than average. They even have shoes for guys who leave behind giant footprints.
We’ve already included a portal for plus size men – well here’s the female counterpart. Marisota caters to women who simply look good in plus size dresses, skirts, trousers, and pretty much everything else under the sun. A charming voluptuous woman deserves the best.
Their official website is www.marisota.co. New registrants will be required to enter their address and other personal info. Note that the address you enter should be verifiable via the Post Office files. In case the site can’t recognize/verify your address, you will then have to call customer service.
Customers are afforded the usual payment options including online, post, phone, and bank. Just like the other catalogue sites that we have seen so far, Marisota also allows customers to spread the cost that they have incurred via the customer’s personal account. You can spread your payments monthly if you wish.
Marisota provides women with pretty much everything they need – many of them in larger sizes as needed. The items they have on sale have been arranged by category. The ladies can shop according to current fashion trends or just go by the items by design.
If you have a very bad credit rating, then the catalogues 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.
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.
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 companys will generall offer instant credit and instant approval on these standard factors.
Once you have been approved for a catalogue you wont have to pay upfront fees as it is on a finance based term. It is advisable to honour your pledges as stipulated on the buy now pay later basis. It is worth remembering that this is a special facility that was accorded to you despite the fact that you have been badly listed elsewhere.
This facility is issued by companies which understand that not everyone gets bad crediting deserves it, there are people who are in such a situation due to reasons which are not of their making or they were in a position which could not enable them to complete their loans and banks did not understand.
It is advisable that the customer makes the company which has provided the credit-happy!. This can only be done through prompt payment of what is owed. Through regular and payments the customer will avoid penalties. It will place the customer in the good books with the company and at the same time help repair your credit rating as the company will usually report back to credit agencies such as Experian whether you are late making payments or whether you are on time.
Although no credit check catalogues are unavailable in the market, all that one has to do is to choose the best catalogue that accepts bad credit and you start enjoying shopping from home.
After getting the best, you should ensure that they play your part to enhance your credit rating.
When I mean pay for it, I don’t mean whipping out your credit card and entering in the card number and expiry date. I mean that you’re going to have to pay more for your chosen items compared to someone with a healthy credit rating.
Whilst there are companies that provide catalogues for bad credit, they are not charities. They are in the business to make money and by taking you on as a potentially risky customer, they command higher prices for the privilege. They know you have limited options and can afford to hike up their prices knowing that you cannot access other services. But don’t worry, the companies I have listed below are not that bad but understand you will have to pay a little more to use them.