Not many people know that you can buy now and pay later on finance with an Argos credit account. You can apply for an account on the website and the more you spend, the more time you have to pay off your purchase. Products can be picked up in one of their stores or delivered right to your door.
One of the top high street retailers in the UK, Argos has over 750 shops and over 800 million annual page views on their website. They’ve got everything you need for your home, including electronics, appliances, and furnishings, and they carry clothing for the entire family.
BrightHouse is the UK’s leading rent-to-own store, offering the latest household products. All products are available on weekly payment agreements, from washing machines to cookers, and mattresses to smartphones – everything you might need for your family and your home.
BrightHouse have the best in entertainment with latest HD televisions and Blu-ray players from top brands, the latest gaming consoles from Xbox and PlayStation, as well as laptops and tablets for computing on the go. All products include delivery and installation as standard. Credit is offered subject to status. Terms and conditions apply.
Brilliant Gift Shop
It’s better to give than to receive, as the old saying goes, and with The Brilliant Gift Shop, you can give the absolute best gifts. Whether it’s a personally engraved keepsake, a beautiful new watch, a smart new pair of noise cancelling headphones, you can rest assured that the recipient will appreciate both the gift and the thought.
More than gifts, though, The Brilliant Gift Shop has all sorts of fun and unique items for both every day and special occasions. You’ll find all the best toys and games on the website, as well as party decorations, digital cameras, the hottest fragrances, and so much more.
Buy As You View
Top quality branded household items are available at weekly payments, helping you spread the cost of essential items. Choose from a range of products including televisions, laptops, consoles, washing machines, dishwashers, cookers, sofas, beds and more.
All customers are provided with a Smart Meter which puts you in control of how and when you pay, whether that’s by cash, Direct Debit or PayPoint. BAYV deliver to most areas of the UK, but not all. To check to see whether your area is covered, visit their website for more information. Credit is subject to status, availability and acceptance in your area.
If you’re looking for stylish and affordable plus size clothing for women, look no further than Curvissa. They carry a wide selection of sportswear, casual wear, business attire, party dresses, and even maternity clothes. Plus, you’ll find lots of lingerie and swimwear, and they even carry shoes.
The website also features lots of helpful information for finding the right look for you. These include a shape calculator, details on the current season’s hottest pieces, and a blog featuring helpful advice and the latest fashion news.
You’ll find the perfect fit at Daxon! With a wide selection of beautiful clothing for women and handsome clothing for men, Daxon has everything to keep you looking good all season long. They even have shoes and boots from top brands like Ecco, Cushionwalk, and others. And, while fashion is their main focus, you’ll also find lots of items for your home, like great bedding sets, cooking and kitchen utensils, bathroom towels, and even garden accessories.
When you order from Daxon, shipping is free on orders of £75 or more, and returns are always on the house. And if you’re not home during the day to receive your package, don’t worry. For added security, Daxon offers a Shop & Collect service so that your order is shipped to a local shop for pickup instead of your home. Customers can choose to pay for their order in full or spread the cost with a Daxon personal account.
Dial a TV
Don’t let the name fool you — Dial a TV has much more than just flat panel screens that exist solely for your entertainment. You’ll find a great selection of refrigerators, washers and dryers, cookers, laptops, mobile devices, and of course, TVs and home cinema systems. With all the latest models and competitive prices, you can find everything you need to outfit your home with all the modern conveniences.
Dial a TV is a rent to own catalogue retailer. All of their products are priced by the week; as long as you keep up with your regular payments, your money goes toward the purchase of your items. After 39 months, the items you’ve been paying on will be owned by you outright.
Great customer service is what Dial a TV prides itself on. All rent to own purchases come with free delivery, free installation, and free repairs.
Calling itself the clever clothes shop, Fashion World carries fashion forward and flattering clothes for the full figured woman. With dresses, separates, casual wear, workplace attire, and more in sizes 12-32, there’s really something for everyone. There’s even a whole category of workout wear for fitness enthusiasts. And if you’re not fully confident in your own personal fashion sense, don’t worry — Fashion World has several style guides to help you out.
As if that weren’t enough, Fashion World also stocks great clothing for men and kids, making it a virtual one stop shopping destination for the whole family. Plus, you’ll find an impressive selection of products for your home and garden, including bedding, storage, and small electrical items.
If you want to spread the cost of your Fashion World purchase, it’s easy to apply for a catalogue account online.
A catalogue retailer for the sophisticated, mature woman, Fifty Plus is about style without compromise. It’s about looking your best without too much effort. It’s about affordable, flattering fashion that’s smart and comfortable. Simply put, it’s all about you.
Beyond the extensive selection of casual to dressy women’s clothing in sizes 12-34, Fifty Plus has clothing for men plus a home and garden category and many tech products like tablets, kitchen appliances, and televisions. And if you’re passionate about social justice, you’ll feel good knowing that Fifty Plus is part of the Ethical Trading Initiative, which means that their clothing is made by well paid employees in safe, hygienic working conditions.
Throw in free delivery on orders of £50 or more, great clearance items, and a 14-day return policy, and it’s easy to see why Fifty Plus is such a popular home shopping catalogue. When you buy at Fifty Plus, you can pay in full or spread the cost by opening an account.
Whether you’re a style conscious man who wants to look his best for weekend outings or an entrepreneurial type who’s in need of a two-button suit, crisp white shirt, and power tie for a calendar full of meetings, you’ll find it at Jacamo. They also stock accessories like belts and cuff links, shoes from sandals to boots, and a wide selection of jeans in their denim shop.
Top brands are the priority at Jacamo. They carry all the big ones: Original Penguin, Adidas, French Connection, Firetrap, and more. Plus, Jacamo has its own branded line of cool and affordably priced casual wear.
Next day delivery is just £3.99 for small orders and free for orders over £50. Or, you can pick up your order at a myHermes ParcelShop and pay no shipping charges. You can pay for your orders in full or apply for credit to spread the cost.
Beautiful fashion at budget friendly prices is the name of the game at JD Williams. The website is full of the absolute latest styles in sizes 10-32 without the outrageous department store price tags.
You’ll find dresses, kimonos, jumpsuits, and all types of separates. Check out their shoe category for everything from chunky wedges to sporty trainers.
More than women’s clothing, JD Williams offers fashions and footwear for men and children, all sorts of housewares, home electronics, and much more. Delivery is free for orders over £50. Plus, you’ll find helpful videos, guides, and solutions for making your wardrobe work for you.
You can pay for your order in full or spread the cost of your JD Williams purchase with a personal account.
At Julipa, you’ll find smart clothing for smart women at smart prices. This is not your daughter’s online shopping catalogue — Julipa is for mature women who value styles that flatter over trends that don’t. They carry dresses, separates, and more in sizes 10-32, lingerie in sizes up to 52, and footwear in many sizes and widths.
Need a swimsuit for the beach? Julipa has you covered, with tankinis, bikinis, swim dresses, swim shapewear, and much more. Plus, guys can also find the great fit they’re looking for, as Julipa stocks shirts, pants, blazers, and more for the well dressed man.
Delivery is free for orders over £35, and there is a 14 day return policy. Additionally, for the convenience of customers orders over £30 are eligible for free click and collect delivery to any myHermes ParcelShop. Customers can buy now and pay later with a Julipa account.
A kaleidoscope is able to create beautiful visuals using lots of small details working together. It’s this same principle that informs the fashion at the online shopping catalogue of the same name. “Designed to be different” is Kaleidoscope’s motto, and it’s easy to see why. All the little details, all the interesting fabrics, and all the bold colour combinations work together in Kaleidoscope’s fashion forward collection for the woman with discerning taste.
Not only will you find the expected selection of separates, dresses, footwear, and more, all by top brands, but you’ll find speciality categories to help you find the perfect outfit for any occasion. Whether it’s the right dress to wear to a family wedding or a smart ensemble for your next big meeting at work, Kaleidoscope has you covered.
Customers can pay upfront using a major credit card, or they can apply for a personal account and spread the cost of an order. With Kaleidoscope’s competitive prices, it’s easy to afford the great looks you’re after.
French style has such an understated elegance. It’s cool yet calm, confident yet unassuming, contemporary yet classic. If you’re a woman who appreciates these qualities in her choice of clothing, you’ll love shopping at La Redoute. From casual separates to sophisticated evening wear, La Redoute has all the great looks you want at the prices you can afford.
Men and children aren’t left out at La Redoute; there are lots of looks for the whole family to look their best. There’s also a homewares category, fully of interesting things for your home. And of course, they all have the same clean lines and same French flair as the retailer’s wardrobe items.
Home delivery is just £3.99, and Click & Collect delivery is free. If you don’t like the way a piece fits, returns are also free. And, with a La Redoute Style account, consumers can spread the cost of an order.
There’s always something new at Look Again, an online catalogue shopping site dedicated to stocking the latest styles of women’s clothing. If you love the latest looks and are up on the most recent trends, you’ll find dresses, tops, trousers, shoes, and more from the hottest brands out there. Plus, Look Again has fabulous accessories like watches, pendants, and rings to complete your look.
You’ll find more than great women’s wear at www.lookagain.co.uk, though. Men’s fashion, kids’ fashion, home appliances, computers, and home entertainment systems are all available. And of course, everything at Look Again is the latest model and design so you can keep your wardrobe and your home looking fresh and up to date.
If you’re looking to spread the cost of your order, you can apply for a Look Again personal account.
For beautiful, flattering clothing in sizes 12-32, you’ll want to look through the selection at Marisota. There are dresses in the latest styles and colours, tops for every occasion, casual sportswear for lazy weekends, and an impressive selection of outerwear. You’ll also find lingerie, swimwear, and footwear at www.marisota.co.uk. These plus-size garments are anything but boring!
Marisota understands that you want your new clothes as soon as possible. That’s why they offer next day delivery for just £3.99. Or, for shoppers who are interested in free shipping, they can get their order via Click & Collect and pick it up at their local myHermes ParcelShop.
For added savings, new customers get 20% off their first order, and new Facebook likes receive 15% off an order.With a personal account, you can spread the cost of your order.
Every girl’s crazy about a sharp dressed man, as the song goes, and every man can get the clothes he needs to look sharp at Premier Man. Featuring all the classic looks and latest styles, Premier Man has everything from blazers and trousers to sweatshirts and joggers. Large selections of nightwear, underwear, and footwear are also available.
Premier Man bills themselves as the size and fit experts. Whether your build is athletic, trim, or big and tall, you’ll find the size you need for the best possible fit. They carry everything from smalls to 5XLs, and their footwear goes up to size 16.
Standard delivery costs just £3.50, or you can expedite your order to next day delivery for just £6.50. Payment methods include credit or debit cards, cheque, direct bank withdrawal, and direct debit account.
The Simply Be ethic could not be more straightforward: flattering clothes for all body types at prices that are easy on your wallet. For full figured and plus sized women, Simply Be is a fantastic online shopping catalogue full of great fashion pieces from top brands as well as Simply Be’s own line of clothing. From partywear to workwear to denim, you’ll find the clothes you want in the size you want at the price you want.
It’s more than just clothing, though. Simply Be has accessories to take your look from good to great. These include cool sunglasses, stylish scarves, and spangly necklaces. Plus, you’ll find a full selection of exercise clothing, swimwear, lingerie, and shoes of all types.
With a Simply Be account, customers can spread the cost of an order over several months.
Catalogues With Credit
Shopping using a pay monthly credit catalogue can be a great way to spread the cost of your online shopping. A catalogue credit account will allow you get your items now and pay later on a monthly basis. Catalogues offer a large selections of household and everyday items including:
- Electronics: Laptops, mobile phones, consoles, televisions, tablets, stereos
- Furniture: Sofas, tables, chairs, beds, wardrobes, cabinets
- Clothes: Men’s, women’s, children’s & plus size fashion, footwear
- Appliances: Washing machines, dishwashers, microwaves, freezers, cookers, vacuum cleaners
- Gifts: Birthdays, anniversaries, Christmas & weddings presents
The key to successful catalogue shopping on finance is making your payments on time, every time. This keeps you in good standing with the retailer, potentially qualifies you for a credit limit increase, and could even improve your overall credit rating Remember, if you choose to spread the cost with your catalogue account it will cost you more than if you paid for the items in full.
Catalogue accounts are available to UK residents over 18 years of age. Credit is subject to affordability and status. Terms and conditions apply.
Playstation 4 Console + 6 Games Bundle
- PlayStation 4 500GB System (Jet Black)
- 6 Games Bundle
- DualShock 4 Wireless Controller
- HDMI Cable
- AC Power Cord
- Wired Mono Headset
- Spread the cost
- Buy now pay later console
- Free delivery
Samsung 50 Inch UHD 4K TV
- Smart Hub & Smart View
- Freeview HD
- Quad Core Processor
- Cloud Gaming
Ultra Clear Panel
- Pause and Record compatible
- Spread the cost
- Buy now pay later TV
Hotpoint 10KG Ultima Washer
- A+++ energy rating
- Colour Care Technology
- LCD user interface
1600 rpm spin speed
- Anti Stain Cycle
Anti Stain Power & Anti Stain Turbo
Super silent motor
- Spread the cost
- Buy now pay later washing machine
Once you have found the items you want, you can apply for a credit account when you check out. You usually receive a decision instantly and be provided with a starting credit limit. Opening a credit catalogue account is subject to status and affordability checks and is available for UK residents aged 18 and over. Understand that paying for your order on catalogue credit means that you will pay more for your order than you would have if you had paid cash for it. This is the trade off for spreading the cost of your order over several months or years.
All catalogues featured on this page offer pay monthly and sometimes pay weekly plans, allowing you to make repayments to suit your budget. For pay monthly catalogues, you will receive a monthly statement showing your current balance and amount you have to pay. There will usually be a minimum amount you have to pay (usually around 5%), although you can of course pay more to reduce your balance and overall interest. Payment plans vary for each retailer so make sure you check the terms and conditions carefully.
Buy Now Pay Later
A number of catalogues offer Buy Now Pay Later (BNPL) payment plans which allow you to get the items you want now and start making monthly repayments at a later date (usually 3-12 months). Catalogues which do not offer Buy Now Pay Later, usually request your first payment a month after you have received your shopping. Catalogues which provide this option can be harder to get approved with.
Bad Credit Catalogues
When applying for a catalogue account, a credit check/affordability check will be performed to ensure you can afford the minimum repayments and also to determine your identity. If you have bad/poor credit history or have not yet built a credit rating, your application may be declined. Each catalogue have their own credit criteria; so if you have been rejected by one company, it does not mean you will be rejected by them all.
How can I apply for catalogue credit?
The process of applying for credit varies from catalogue to catalogue. With many online shopping catalogues, you can apply right on the website by entering your information. The site will quickly run a credit check based on the information you provide, and you should know if you’re approved or not approved rather quickly, usually within a minute or two.
What do I need to know about placing my first order?
1. Keep your order value low, since you may not qualify for a high line of credit as a first time buyer. Under £100 is definitely recommended, but to really improve your chances of being approved (especially if you have a poor credit rating), keep it under £100.
2. Take some time to familiarise yourself with the shopping catalogue’s delivery and return policies. Many will ship your order right to your door for under £5, but some charge more. You don’t want to be surprised with a large delivery charge. Also, make sure you can return an item if it doesn’t fit or is not as you expected. Many catalogues have a two week return policy, but it’s important to confirm this type of information before making your first order.
3. Look for first time buyer discounts. Many retailers, in an effort to bring in new customers, will offer 15%, 20%, or even 30% off a first personal account order. These discounts will often be advertised on the catalogue website’s homepage. However, to actually get the discount, there is often a code that you must enter. If you forget to enter it, you forfeit the discount.
What credit limit will I get?
The amount of credit you are eligible for depends on your credit rating and how long you have been a customer with a particular shopping catalogue. The higher your credit rating, the more credit you’ll have extended to you for your first order. Similarly, the longer you are a customer in good standing with any given shopping catalogue, the more likely your credit limit will increase.
First time buyers with any catalogue should not expect to be given a line of credit that’s much more than £100 or £150. However, once you start making regular payments on your account, you can expect to see that number go up, meaning that you can place bigger orders in the future.
Where can I find a copy of my credit report?
You can obtain copies of them from the three credit reporting agencies in the UK:
While it would seem like the reports from all three agencies would be similar, mistakes do happen when lenders report credit standings and issues. Therefore, it is highly advisable that you check your credit report from all three.
Can I apply if I have bad credit?
If you have bad credit, you may still qualify for a small line of credit from certain shopping catalogues. There are a number of retailers who will work with individuals who have bad credit so that they can both get the products they want and build up their credit rating. These include:
Dial a TV – Since this is a rental company and not a catalogue that provides credit, Dial a TV can be more flexible to customers who have a low credit rating. Payments are spread on a weekly basis. In the event that you no longer pay for your rented item, you can simply return it.
How can I improve my credit history?
There are several things that can improve your credit rating:
• Pay off your debts. If you already have a lot of debts that you need to pay, many lenders may be wary of giving you more credit.
• Make all of your payments on time, and try not to pay less than the minimum required. This shows lenders that you are a responsible consumer who makes good on financial commitments. As a bonus, you could avoid paying late fees and extra interest.
• Make sure you are on the electoral register. Many lenders will cross reference this information for identification validation purposes.
• Close accounts that have a zero balance. If you’ve already got credit that you’re not using, some lenders may not wish to give you more credit for fear that you won’t use it.
• If you notice mistakes on your credit report when you check it (which you should do on an annual basis), contact the credit reporting agency or agencies to have errors fixed. These can have a big negative impact on your credit report.
• Don’t move a lot. While moving to a new home may be unavoidable in some cases, having the same address for several years at a time indicates to lenders that you are a stable person, both in home and, by extension, in finance.
• Just give it time. Strikes on your credit report stay there for six full years. Even if you have been financially responsible and making all of your payments on time for five years, the activities you made six years ago are still very much a part of your report. However, time heals all wounds, as the saying goes. Eventually, those black marks will be taken off your rating, leaving you with much better credit history.
How do I make catalogue payments?
The process for making payments on catalogue personal accounts will vary from one retailer to the next. You will receive a regular statement showing your purchase history, total balance currently owed, and a minimum payment amount.
The typical minimum monthly repayment is around 5% of the balanced owed. For example, it you purchase a television, which costs £1,000, your monthly payment would be around £50. It is important to read the payment terms carefully upon placing your order.
You should beware of the additional costs which you may incur including:
- Fees for late payments
- Fees for missed payments
Payment options vary but can typically can be made by credit/debit card, direct debits, cheques, bank transfer or via a post office.
|Women's Clothes, Men's Clothes, Children's Clothes, Electricals, Appliances, Furniture, Footwear, Beauty, Gifts||29.9%
Brilliant Gift Shop
|Gifts, Jewellery, Toys, Electricals, Home & Garden, Children's Clothing||58.7%
|Appliances, Electricals, Furniture, Laptops, Televisions, Consoles||69.9%
Buy As You View
|Appliances, Electricals, Furniture, Laptops, Televisions, Consoles||68.9%
|Plus Size Clothing, Women's Clothes, Footwear, Accessories||34.9%
|Women's Clothes, Men's Clothes, Plus Size Clothing, Lingerie, Footwear, Home & Garden||39.6%
Dial A TV
|Bad Credit OK, Appliances, Electricals, Furniture, Home & Garden, Mobile Phones, Laptops, Televisions, Consoles,||N/A||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||58.7%
|Women's Clothes, Over 50's, Men's Clothes, Plus Size Clothing, Children's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||58.7%
|Men's Clothing, Accessories, Footwear, Sports, Home & Garden, Electricals, Gifts||58.7%
|Women's Clothes, Men's Clothes, Plus Size Clothing, Children's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||58.7%
|Women's Clothing, Plus Size Clothing, Over 50's, Men's Clothing, Footwear, Gifts||58.7%
|Women's Clothing, Footwear, Home & Garden, Gifts||34.9%
|Women's Clothing, Plus Size Clothing, Over 50's, Men's Clothing, Footwear, Gifts||58.7%
|Women's Clothes, Men's Clothes, Plus Size Clothing, Children's Clothes, Footwear, Home & Garden||34.9%
|Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, Gifts||34.9%
|Plus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts||58.7%
|Men's Clothes, Plus Size Clothing, Women's Clothes, Footwear, Home & Garden, Electricals, Gifts||58.7%
|Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, Gifts||58.7%