Bad Credit Catalogues
Money & Finances Shopping

Catalogues for Bad Credit in the UK

Catalogues are a great way for people with bad credit, or no credit, to begin building up their credit profile so that they can get approved for larger purchases, and more credit, from the companies who have stricter criteria in-place when they credit check them in future.

The catalogues I have listed below offer credit accounts with a range of payment terms – pay weekly, pay monthly, pay in 3 instalments or buy now pay later. All with bad credit.

Don’t settle for a bad credit rating, start building it today with the best UK catalogues.

There’s no such thing as a no credit check catalogue. They all require one.

Catalogue Name
Starting Credit Limit
Pay Weekly
Pay Monthly
BNPL
Credit Check
Very
£1,000
Next
£1,500
Littlewoods
£1,000
Studio
£500

NOTE: Never spend up to your credit limit with catalogues and, where possible, always use direct debit as the method of payment to avoid missing payments. That’s a big no-no.

Okay let’s have a closer look at each of the catalogues in the table above.

Very

Very is a large and leading online retailer of men and women’s fashion, homeware, electricals, toys and games, gifts, beauty, jewellery and anything else you could ever want, basically.

This is probably the easiest catalogue to get credit with. Opening a Very account is easy and you get an instant decision and credit limit of up to £1,000 to start spending within minutes. They often run new customer promotions offering up to 20% OFF your first credit order.

Credit limit increases are regular and automated, but you can opt out if you wish.

Their prices are very competitive with high street stores, sometimes even better, and they have an App for iPhones and Android Phones which is easy to use and makes managing your account really simple. Placing orders via the App is very easy, too, which is great on the go.

Benefits of a Very account:

  • Pay Weekly (period of your choice)
  • Pay with Take 3 (3 payments, no interest)
  • Buy Now Pay Later with No Interest (up to 12 months)
  • FREE Next Day Delivery with Collect+
  • Instant Decision – Credit Limit Up To £1,000 to Start With

Want to open an account with Very? You can do that that by clicking here.

Next

Next is another large online retailer, but unlike Very they’re more specialised and focus on selling men and women’s clothes and fashion, kids clothes, homeware and gifts.

It’s also one of the easiest catalogues to get credit with, probably on par with Very, and you get an instant decision with a credit limit up to £1,500 depending on your circumstances and current credit rating. Their new customer promotion gives you £10 OFF your first order over £15.

Like Very, Next offer regular and automated credit limit increases, but you can opt out.

Next sell a lot of their own branded products, which are superb in quality, but they also stock clothes, shoes and accessories from your favourite big high street brands such as Boss, Adidas, Converse, Ted Baker, Armani and The North Face among many others.

Next also have an App for iPhones and Android Phones which is great, and their website is probably the most enjoyable to use and offers the easiest checkout process.

Benefits of a Next account:

  • Pay Monthly (minimum payment or more)
  • 0% Interest for The First 3 Months
  • FREE Next Day Home Delivery for 3 Months
  • FREE Next Day Store Collections
  • Instant Decision – Credit Limit Up To £1,500 to Start With

Want to open an account with Next? You can do that that by clicking here.

Littlewoods

Littlewoods is owned by Shop Direct, who also own Very (listed above) and it is essentially the exact same offering as Very, although the website differentiates itself with a different colour scheme (purple instead of pink) and minimal on-site design and layout differences.

The major difference between Very and Littlewoods is the pricing of products. Very prices are similar to the high street, whereas Littlewoods prices include interest. For example, the price of Call of Duty: World War 2 for Xbox One on Very right now is £47.99, which is cheaper than Tesco Direct, but on Littlewoods it is £64.99. Always avoid further interest with them.

Again, just like Very and Next, credit limit increases are regular and automated.

New customers can expect to get 10% OFF their first order. Make sure you download the App for your iPhone or Android Phone to make ordering and account management a breeze.

Benefits of a Littlewoods account:

  • Pay Weekly (period of your choice)
  • Buy Now Pay Later with No Interest (up to 12 months)
  • FREE Next Day Delivery with Collect+
  • Instant Decision – Credit Limit Up To £1,000 to Start With

Want to open an account with Littlewoods? You can do that that by clicking here.

Studio

Studio sell over 6,000 products across a variety of categories including men and women’s clothes, toys, homeware, gifts, gardening and outdoor, gaming and kids to name a few.

It’s definitely the simplest catalogue of them all and doesn’t have any of the extra bells and whistles that the others do, like new customer promotions, free delivery and 0% interest. It’s just a catalogue for placing orders against a credit account and building up your credit rating.

Studio prices their products slightly higher than those on the high street, and Very, but they’re still not too bad and I wouldn’t let that put you off using them. It’s not much really.

Studio might be basic, but it does what it says on the tin. It’s a catalogue!

Benefits of a Studio account:

  • Pay Monthly (minimum payment or more)
  • Credit Limit Up To £500 to Start With

Want to open an account with Studio? You can do that that by clicking here.


There is no guaranteed acceptance with any of these catalogues, but if you are accepted please manage your account and credit limit responsibly or you could damage your credit rating. Always pay the minimum payment on time and, as mentioned earlier, don’t hit your credit limit.

Where possible, always use direct debit as your preferred method of payment. This will help you to avoid running into trouble by missing a catalogue payment.

Did I miss a catalogue from my list? Let me know in the comments below.

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