Unlock Endless Choices with Yes Catalogue - Shop Over 80,000 Products Now!

Unlock Endless Choices with Yes Catalogue - Shop Over 80,000 Products Now!

  • Instant £1,200 Credit
  • Open to All Credit Types
  • Flexible Weekly Payments
  • Seamless Shopping Experience
  • Explore 80,000+ Products
Accepted Catalogue in 3 Easy Steps!

Accepted Catalogue in 3 Easy Steps!

  • Instant £650 Credit Approval!
  • Get Your Goods with Just 3 Simple Payments
  • Choose Your Own Bi-Weekly Payment Start Date
  • Fast Credit Approval Process
  • Access Over 80,000 Premium Products
  • Next Day Dispatch for Loyal Shoppers
Flava Home - The Hottest Tech & Gadgets with Easy Weekly Payments

Flava Home - The Hottest Tech & Gadgets with Easy Weekly Payments

  • Get Up to £500 Credit Instantly!
  • Shop the Latest Tech & Gadgets
  • Affordable Weekly Payments
  • Quick and Easy Application
  • Free Delivery on All Orders
  • Hundreds of Top Brands to Choose From
Flava Groceries - Shop Your Groceries on Credit

Flava Groceries - Shop Your Groceries on Credit

  • Spread the Cost of Your Groceries
  • Exclusive Daily Deals
  • Simple, Flexible, and Affordable Payments
  • Wide Selection of Grocery Products
  • Convenient Home Delivery
  • No Late Fees - 0% APR
The Yes Network - No Credit Check, No Worries! Enjoy 2 Months of UNLIMITED Sim Only - Guaranteed Phone Upgrade

The Yes Network - No Credit Check, No Worries! Enjoy 2 Months of UNLIMITED Sim Only - Guaranteed Phone Upgrade

  • No Credit Checks Required!
  • Guaranteed Phone Upgrade After 2 Months
  • The Yes Network Welcomes Everyone!
  • Poor Credit History? No Problem!
Sunshine Mobile - Get UNLIMITED Data and a FREE* iPhone 15!

Sunshine Mobile - Get UNLIMITED Data and a FREE* iPhone 15!

  • FREE iPhone 15 with UNLIMITED Data!
  • Enjoy UNLIMITED Data, Texts & Minutes
  • FREE Galaxy S22 with 50GB Airtime Plan*
  • 100% FREE Handsets*
  • Choose from iPhone 15, iPhone 14 Pro, Galaxy S23, Galaxy Z Flip 4
  • All Credit Types Accepted
  • No Credit Checks Needed

*Handset loaned at no additional cost

Struggling with bad credit? Discover how you can still enjoy the convenience of pay monthly catalogues, even with a low credit score. This guide provides valuable tips and insights to help you get approved and make the most of your shopping experience.

Whether you’re aiming for a major purchase or seeking to improve your financial standing, this guide covers everything you need. Explore a range of bad credit catalogues that allow you to shop online conveniently, even with a less-than-perfect credit score.

Accessing a Credit Account with a Bad Credit Catalogue

If you’re here, you probably have a poor credit history that might be hindering your approval for pay monthly catalogues. Don’t worry; we’ll guide you through the steps to get approved despite a low credit score.

This article will guide you on getting approved for online shopping catalogues despite a low credit score.

It can be disheartening to have your application rejected by catalogue stores due to a low credit score. However, it is important to remember that everyone deserves a second chance.

Bad credit catalogues allow shopping with bad credit rating
Bad credit catalogues allow shopping with bad credit rating

Your credit history reflects your financial management and repayment ability. Missed or late payments can negatively impact your credit score, making it difficult to secure future credit. However, bad credit catalogues offer a second chance, allowing you to shop even with a poor credit rating.

No one has a perfect financial history, but catalogue companies prefer to provide credit to those with a solid credit record. They are cautious about lending money to individuals with a history of financial difficulty.

Tips to Improve Approval Chances

To enhance your approval chances:

  • Register on the electoral roll: This helps verify your identity and boost your credit score.
  • Clear outstanding debts: Pay off any outstanding debts or credit card balances to demonstrate financial responsibility.
  • Monitor your credit file: Regularly check your credit file for errors or fraudulent activity via agencies like Experian or Equifax.
  • Consider catalogue finance: Some catalogues offer finance options that might be easier to get approved for with a poor credit rating.
  • Shop around: Not all catalogues have the same criteria, so find one that suits your needs.

This helps verify your identity and can improve your credit score. Additionally, try to pay off any outstanding debts or credit card balances before applying for a catalogue. This shows that you are responsible with your finances and can help improve your credit score.

It’s also a good idea to check your credit file regularly to ensure there are no errors or fraudulent activity that could be affecting your score. You can do this for free through credit agencies like Experian or Equifax. Finally, consider applying for a catalogue that offers catalogue finance, as this can be an easier way to get approved if you have a poor credit rating.

Remember, not all catalogues are the same, so it’s worth shopping around to find one that suits your needs. With the convenience of shopping online, you can find a catalogue that works for you without leaving your home.

Easiest Catalogue to Get with Bad Credit

Sunshine Mobile

A Solution for Bad Credit Mobile Contracts

Want the latest Samsung Galaxy or iPhone but have a poor credit score? Sunshine Mobile has you covered. They offer mobile phone contracts with no credit checks, ensuring acceptance for those with even the poorest credit scores. Visit Sunshine Mobile to start your journey.

Sunshine Mobile, a UK-based company, focuses on a customer’s credit future instead of their credit history, making it easier for individuals with bad credit to obtain a mobile phone contract. The process of becoming a customer is simple and straightforward – simply visit their website at www.sunshinemobile.co.uk, create an account, and choose your desired phone from their extensive range of handsets.

After selecting your ideal mobile phone, you will need to join the company’s network for a period of 12 weeks by choosing one of their starter packages (SIM only or SIM plus start phone package). After regularly making payments for three months and proving yourself to be a responsible customer, Sunshine Mobile will deliver your new phone directly to you.

Sunshine Mobile offers flexible payment options, with their recently introduced Flexible Payment Plan allowing customers to set their own contract start date and re-schedule future payments. Payments can be made using either credit or debit cards.

From the latest iPhone and Samsung Galaxy models, to the P20 Pro and beyond, Sunshine Mobile offers a wide range of high-quality handsets for you to choose from. So why wait? Apply now and start enjoying the latest mobile technology, even with a bad credit score.

What you need to open a pay monthly catalogue personal account

If you’re seeking to apply for a Pay Monthly Catalogue Personal Account, you will need to provide some personal information. This information includes your full name, home address, date of birth, residential status, employment status, and details regarding your income. Once you submit your application, you will receive an instant decision.

If you have a history of credit issues, you may want to consider which Catalogue company to apply with based on the credit reference agency they use for credit checks. The table below lists the credit reference agencies commonly used by Catalogue companies for credit evaluations.

Shop Without Credit Checks: Discover Catalogues That Don’t Require Credit Checks

Beware of catalogues claiming “guaranteed acceptance” or “no credit check” as they might still perform credit checks. Understand the terms and ensure they fit your financial situation before committing.

Retailers who offer finance or credit usually require applicants to undergo a credit check before being approved. Therefore, be cautious if you come across a company claiming to offer a shopping catalogue without conducting a credit check.

When applying for catalogues, it’s essential to understand the payment terms and how they may impact your financial situation. While some catalogues may offer lenient payment terms, individuals with low credit scores or poor credit histories should be aware of the potential implications.

Additionally, these catalogues often provide personal accounts to manage purchases, making it easier to track expenses and repayments. Despite the assurance of “guaranteed acceptance,” individuals with a very bad credit rating or poor credit histories should approach these catalogues with caution.

Furthermore, catalogues with “guaranteed acceptance” often boast an extensive collection of products, ranging from fashion, laptops, gaming consoles, electronics and home goods.

However, it’s essential to consider your financial situation carefully before committing to purchases through these catalogues.

No Credit Check Shopping

Responsible Lending with Catalogues: Ensuring Financial Safety and Security

Catalogue companies must comply with responsible lending regulations. If you manage your credit well, you might be eligible for a credit limit increase. However, if you have missed payments or are overextended, your request may be denied.

If you are managing your credit effectively, you may be eligible for a credit limit increase. On the other hand, if you have missed repayments on other credit accounts and are overextended, your credit limit increase request may be denied.

Some catalogues companies, such as Next PLC, may temporarily halt your credit limit if they observe changes in your personal circumstances that could impact your repayment capability.

Buy now pay later

Many catalogues offer the option of Buy Now Pay Later (BNPL), which allows you to postpone repayments for a specified period of time, usually ranging from 3 to 12 months. However, it’s important to note that not all credit catalogues offer BNPL, and those that do often have stricter acceptance criteria for individuals with a poor credit history.

Options for Pay Monthly Catalogues with Bad Credit

If you have a poor credit history or lack a credit rating, obtaining finance through a pay monthly credit catalogue can be challenging. However, it’s essential to recognize that catalogue companies often exhibit more flexibility in their credit approval process. If you have not applied for a prime credit catalogue yet, it may be a good option to consider. These catalogues offer an affordable alternative for individuals with varying credit types, allowing you to defer repayments or delay payment without severe penalties. Over the past few years, they have become increasingly popular as a convenient way to manage purchases and credit orders.

Application for a pay monthly catalogue declined

If your application for a pay monthly credit catalogue has been denied, it does not mean that all other companies will follow suit. The decision to grant credit depends on each individual’s credit standing, which may vary from one lender to another.

It is advisable to start by applying for finance with well-known home shopping catalogue companies. If you keep getting declined, you can then consider catalogues that specialize in providing credit for individuals with poor credit, which may come with higher interest rates but have a higher acceptance rate.

Missing Catalogues Payments

If you miss a payment deadline with your catalogue company, you may incur a late fee. It is important to be mindful of missed repayments, as this could negatively impact your credit score and future credit prospects. If you are facing difficulty in making payments, reach out to your catalogue company promptly. Many catalogue companies have dedicated support teams that can assist you in finding a solution. By keeping your catalogue company informed, you can help protect your account and credit rating.

Improve your Credit rating with a Bad Credit Catalogue

Using a catalogue that doesn’t require a credit check or is tailored for individuals with a poor credit history can play a crucial role in improving your credit score over time. These catalogues, such as pay weekly catalogues, offer a range of payment options, including credit or debit card payments, to suit your financial needs.

Making regular purchases and payments through these catalogues can demonstrate responsible financial behavior, which is reflected positively on your credit file. They often have minimum payment requirements and flexible payment methods, allowing you to manage your finances effectively.

While they may not offer the same credit limits as prime credit catalogues, they provide a practical short-term solution and can be a stepping stone toward being approved for a prime credit catalogue. Additionally, using these catalogues for bad credit can help you build a positive credit history, leading to more long-term credit solutions. Whether you’re shopping online or using home shopping catalogues, these options can be particularly beneficial if you have a very bad credit rating.

Compare Pay Monthly Catalogues with Credit – Find the Easiest Bad Credit Approval Options

The following are credit catalogues with pay monthly options in the UK.

  • Yes Catalogue
  • Freemans
  • Studio
  • Flava
  • Vertbaudet
  • PW Card
  • Witt
  • La Redoute
  • Kaleidoscope
  • Bonprix
  • Look Again
  • Argos
  • Swimwear365

Catalogue Credit Limits

We provide comprehensive information on the subject of Catalogue shopping. This includes comparing pay monthly catalogues, understanding catalogue credit limits, ways to enhance the chances of a credit limit increase, and how catalogue statements function.

Catalogues with instant credit

Get access to the latest in fashion, home goods, gadgets, and jewellery with our instant credit catalogues. Sign up in just a few minutes and start shopping on your mobile right away.

With our lightning-fast sign up process, you can be browsing our extensive catalogue of products in just three minutes. And with 100% acceptance on all applications, everyone is a winner!

At Accepted Credit, we are proud of our excellent customer service and customer care. Our goal is to make your catalogue shopping experience as easy and convenient as possible, even for those with a less-than-perfect credit history.

We understand that having a damaged credit score can be a challenge, which is why we offer 0% finance and no credit checks. This way, you can purchase the items you need now and pay for them later, without worrying about your credit history.

Join thousands of happy customers today and take advantage of our instant credit catalogue to make your shopping experience even easier and more convenient.

Instant Approval

Which Credit reference agency will the Catalogue companies check?

When you apply for a pay monthly catalogue with credit, your application will be subject to several assessments, including identity checks, credit checks, and affordability checks. If you’re curious about which credit reference agency a pay monthly catalogue is likely to use, you can consult the table provided. Knowing this information can be valuable if your credit reports are displaying differing credit scores.

Yes Catalogue: A Second Chance for Credit

All Credit Scores Welcome 

Yes Catalogue accepts customers with various credit scores, so you can be confident that you will be approved.

No Judgment Based on Credit History 

Different from other catalogue companies, Yes Catalogue does not use your credit history as a factor in determining your eligibility.

Flexible Repayment Options 

You have the control to choose when you want to make payments on your Yes Catalogue account, which you can open in just three minutes after completing the application.

Guaranteed Catalogue Credit Account with Yes Catalogue 

Your Yes Catalogue account and access to the latest products are just a few minutes away, guaranteed.

Instant Approval without a Credit Check 

Yes Catalogue offers an alternative solution for those with bad credit or who prefer not to undergo a credit check.

A New Way to Look at Credit with Yes Catalogue 

With just your debit card, Yes Catalogue offers a new way to manage your credit and make purchases. Say goodbye to the hassle of traditional credit checks and poor credit scores. 

Discover Simply Yours, the Home Shopping Brand for Quality Lingerie

Simply Yours is a brand under JD Williams and Company Limited, known for its quality lingerie for women of all sizes. Realising that not all women have a slim physique, Simply Yours caters to the full-figure market in the UK. With more women gaining confidence and rejecting the media’s notion that only thin women are beautiful, Simply Yours understands the lingerie desires of women of all shapes and sizes.

Enjoy 10% off and Free Delivery with Simply Yours Discount Codes

As a new customer, use discount code CQHC5 at checkout on the Incentives page to receive 10% off and free delivery.

Bras and Knickers for Full-Figure Women

Simply Yours empowers full-figure women with beautifully crafted bras and knickers. The designers understand that big bras can be stylish. They use luxurious materials to create functional and sexy lingerie. The Simply Yours website offers a wide selection of undergarments. These include briefs, shorts, and thongs, made with delicate fabrics to suit all fashion tastes.

Assistance with Sizing and Fitting

Many full-figure women are unaware of their correct bra size, settling for the largest size available in lingerie shops. Simply Yours provides guidance on bra sizing through its website, which includes bra size guides, fitting tips, and videos. Additionally, the bra style guide helps women determine the appropriate fabrics and styles for their figure.

Top Lingerie Brands at Simply Yours

Simply Yours offers a range of famous lingerie brands. These include Curvy Kate, Zoggs, Freya, Gossard, Gok Kwan, Panache, Miss Mandalay, and Masquerade. These brands provide superb fit and support. They offer a size range of 30 to 50 and cup sizes from A to JJ.

Expand Your Lingerie Collection with Simply Yours

In addition to lingerie, Simply Yours also offers swimwear, nightwear, shapewear, and clothing for plus size women. If you’re on a budget, consider opening a personal account with Simply Yours to spread the cost and shop for all your lingerie needs.

How does one become a customer of Fashion World?

Fashion World is a home shopping company that offers a diverse selection of affordable and figure-flattering outfits for all occasions, styles, ages, and sizes. It is a subsidiary of J D Williams and Co, the UK’s leading home shopping company.

Fashion World 2012 Active Discount Codes & Voucher Codes:

  • Enjoy a 20% discount on your first order of fashion, footwear, and lingerie by using the Discount Code WWYL9.

Fashion World is proud to be:

  1. Budget-friendly, offering sales and value packs.
  2. Figure-flattering, with its voluptuous, sculpting, and fitting clothing lines.
  3. On-trend, with its constantly changing styles to stay up-to-date with popular trends.
  4. Size-inclusive, offering a wide range of sizes, from petite to tall and plus sizes.

Additionally, the website’s front page features various deals and bargains. These include home and electrical goods, men’s fashion, width-fitting footwear, and New Joe Browns items.

With new and shapely designs, you are just a click away from effective and stylish slimming clothes. The Fashion World website and online catalogue make ordering easy from home. There is a step-by-step guide for new customers.

Ordering is a simple process. Create an account and select your preferred items and sizes. Click “Add to Bag” and “Go to Checkout.” Fill in the necessary details and place your order. The HELP and FAQ pages provide guidance for any complications and a more in-depth process.

In conclusion, Fashion World offers numerous choices and convenient ways to purchase its products. With its online catalogue, shopping is easier and more accessible for those who prefer to shop from home.


Freemans is a well-known online fashion store offering a wide range of clothing and accessories for men, women and children. They also have a comprehensive collection of home appliances. Established in 1905, the company has collaborated with various brands including Kaleidoscope, Lascana, Swimwear365 and Gifts365 to bring the latest fashion trends to customers.

By creating a personal account, customers are eligible for a 25% discount on their first order.

In terms of financing, Freemans has a competitive 34.9% APR variable, which is lower than many other similar retailers. To make the shopping experience more convenient, Freemans offers multiple payment options.


In conclusion, exploring bad credit catalogues can open up new shopping opportunities even with a poor credit score. By understanding your options and managing your finances responsibly, you can improve your credit rating and enjoy the convenience of online shopping. Explore the listed catalogues and find the best fit for your needs.

More Credit Catalogue Shopping Guides