If you have a low credit score or a bad credit history, you may find it challenging to access credit from traditional lenders. However, catalogues with no credit check provide an alternative way to access credit and buy the things you need, even if you have a poor credit rating. In this comprehensive guide, we’ll explore what bad credit catalogues are, how to choose one, the advantages and disadvantages of using them, and the best bad credit catalogues in the UK.

No credit check catalogues
No credit check catalogues

What are Bad Credit Catalogues?

Catalogues for bad credit are a type of catalogue credit designed for people with poor credit ratings. They work similarly to traditional catalogues, allowing you to purchase items and pay for them in instalments, but with more relaxed credit checks and higher interest rates. Many pay weekly catalogue companies offer “buy now pay later” options or interest-free periods, allowing you to spread the cost of your purchases over time.

To open an online catalogue shopping account, you will need to complete an application form and undergo a credit check. However, bad credit catalogues are more likely to accept applications from people with poor credit ratings than traditional lenders, and can help you improve your credit score over time.

How to Choose 

Choosing the right bad credit catalogue is essential. Here are a few factors to consider:

  • Credit Checking Criteria: Check the catalogue’s credit checking criteria to ensure that you are eligible to apply. Some have more stringent credit checking criteria than others, so it’s crucial to choose one that matches your credit rating.
  • Interest Rates: They charge higher interest rates than traditional lenders, so it’s important to compare rates and choose the one that offers the best deal for you.
  • Credit Limits: Check the catalogue’s credit limits to ensure they are high enough for your needs. They offer low credit limits, which may not be enough to cover the cost of larger purchases.
  • Payment Options: Flexible payment options, such as weekly or monthly payments, to make it easier to manage your finances.

Before applying, be sure to compare several options and choose the one that best meets your needs. Don’t apply for too many catalogues at once, as this can harm your credit rating.

The Pros and Cons


  • Convenience: Convenient way to shop for the things you need, without having to pay for them all upfront.
  • Credit Building: Making regular payments on a credit or debit card can help improve your credit rating over time, making it easier to access credit in the future.
  • Instant Credit Approval: Many offer instant approval, meaning you can start shopping right away.


  • High Interest Rates: Higher interest rates than traditional lenders, which can make them an expensive way to borrow money.
  • Debt Risk: It can be easy to fall into debt with a bad credit catalogue, especially if you don’t keep up with repayments.
  • Limited Credit: Bad credit catalogues may offer lower credit limits than traditional lenders, which can limit your purchasing power.

Before using a bad credit catalogue, it’s important to weigh up the pros and cons and decide whether it’s the right option for you.

How to Use

Here’s how to get started:

  1. Choose a catalogue company: Start by researching bad credit catalogues in the UK and comparing their interest rates, credit limits, and payment options. Look for a catalogue that meets your needs and is affordable for you.
  2. Apply for an account: Once you have chosen a bad credit catalogue, you will need to complete an application form and undergo a credit check. If your application is successful, you will be given a credit limit and can start shopping immediately.
  3. Browse products: Bad credit catalogues offer a wide range of products, from clothing and electronics to furniture and home appliances. Take your time to browse the catalogue and find the items you need.
  4. Place an order: After you have found the items you want to buy, add them to your basket and proceed to checkout. You will be asked to choose a payment option, such as “buy now, pay later” or interest-free credit, and to provide your payment details.
  5. Make repayments: Once you have placed your order, you will need to make regular repayments to your bad credit catalogue. You can choose to make weekly or monthly payments, depending on your needs and financial situation. Be sure to keep up with your repayments to avoid falling into debt.
  6. Manage your account: It’s important to keep an eye on your bad credit catalogue account and check your credit limit, outstanding balance, and repayment schedule regularly. This will help you stay on top of your finances and avoid any unexpected charges or fees.

How Bad Credit Catalogues Can Help Improve Your Credit Rating

If you have a poor credit rating, a bad credit catalogue can help you improve it over time. By running no credit checks or using faulty credit, these catalogues may be more likely to approve your application, giving you the opportunity to make regular payments and prove your creditworthiness. This can ultimately lead to an increase in your credit score, making it easier to access credit in the future.

Missing Catalogue Payments

It’s important to make your payments on time when using a bad credit catalogue. If you miss a payment, you may incur late fees from the catalogue company, and it can also negatively affect your credit score. However, if you do have trouble making payments, you can always contact the supplier to explain your situation. Many catalogue companies have specialized departments that can assist you in finding a solution.

Catalogue Affordability Checks

Before opening a personal catalogue account, your application will need to go through credit reference agencies to assess your affordability. Catalogue companies have strict guidelines for approval, making pay monthly catalogues a popular choice for customers with bad credit. Affordability assessments consider your average salary and current debt level to ensure that you can easily afford the monthly payments.

Rent to Buy

Rent to buy is a method similar to catalogue finance where you buy a product and pay for it in full, but with the option to spread the cost over time. Once you have clearance, you own the product and can continue to make payments until the balance is paid off. This can provide additional security in a number of catalogues.

Buy Now, Pay Later

Many bad credit catalogues offer the option to buy now and pay later, even if you have a bad credit history. For example, K & Co provides its clients with a choice of online shopping offers where customers can purchase today and pay later for 10 to 12 months. It’s important to note that charges may apply, and the normal fees on all purchases can be as high as 329% per year.

Comparing Prices on Catalogue Products

There are many bad credit catalogues in the UK that offer a wide range of products, from clothing and electronics to furniture and home appliances. By comparing prices on over 1,000,000 catalogue products, you can find the best deals and save money on your purchases. For example, Catalogue Credit offers instant catalogue credit and buy now, pay later options with the amazing Savultra card, which guarantees immediate approval for £4000 credit. Catalogue credit also offers a range of payment options, including weekly or monthly payments for periods ranging from 3 to 12 months. The product is typically delivered to your address or sent by courier and can be returned within a reasonable amount of time for a full refund.


Bad credit catalogues provide an alternative way to access credit and buy the things you need, even if you have a poor credit rating. However, it’s important to choose a bad credit catalogue carefully and weigh up the pros and cons before using one. By following the tips and advice in this guide, you can find the best bad credit catalogue for your needs and manage your account effectively to avoid falling into debt.