Online Credit Shopping

Find a range of finance options on all sorts of products from the UK's top credit catalogues and stores.

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We compare dozens of catalogues so that you can find the best one for you!


Looking for a clothing catalogue? There are over a dozen catalogues that specialise in clothing of all kinds including petite, plus size, mature womens and mens fashion.

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There are a small selection of catalogues that boast a large range of gadgets and electricals including laptops, TV's, tablets, consoles, cameras and mobile phones.

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Has your washing machine packed in? No need to worry, you can now buy one on finance from a catalogue, which also stock fridges, freezers, dishwashers, cookers and more!

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Just moved house? Sofas, beds and wardrobes can now be purchased on a pay later credit plan from a UK catalogue where you can pay nothing for up to 3 years!

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Stores and Catalogues we Compare

What if I have No Credit History?

Some people have never borrowed at all, as such their credit rating is completely clean. Unfortunately, some lenders don't like this as they can't tell what kind of borrower you are, so they tend to place you in the same category as those with bad credit.

As such a bad credit catalogue might be your best option, however if you've not applied before we'd suggest you try a normal catalogue first.

For those looking for a catalogue that doesn't credit check, you'll be disappointed. They don't really exist, and those that do charge very high interest rates and still request recent bank statements so you're never guaranteed approval.

What is Bad Credit?

Having a bad credit history usually means you've had problems in the past with money you've borrowed. For example, you may have missed a few repayments on your credit card or mortgage. In some cases, it could simply be a mistake on your credit file.

With this low credit score you may have already noticed that getting accepted for credit is not a sure thing. However, there are some online stores and catalogues with credit that tend to be a bit more lax when it comes to their credit checks when compared against mobile phone contracts or credit cards.

So, if you know you have a poor credit rating, take a look at our list of catalogues for bad credit.

Spread the Cost or Pay Later?

Sometimes the type of credit plan available is the most important thing in the decision process. As such, we've categorised the top UK catalogues into pay monthly catalogues, pay weekly and buy now pay later to make the decision quick and easy for you.

Most catalogues offer a spread the cost payment plan in the form of paying in installments on a monthly or weekly or even fortnightly basis. These tend to be the most common finance plans offered by home shopping catalogues.

Some will also have a buy now and pay later plan for larger purchases such as sofas and beds, whereby you can pay nothing for up to 3 years. Some even boast interest free periods.

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Benefits & Negatives

For UK customers, online catalogue shopping is a favoured method of making purchases. Not only does it allow you to finance the purchase over time, it also allows you to buy items you would never otherwise be able to afford.

The convenience of online shopping is a huge draw for many people. Browsing the web on a laptop whilst lying in bed or sitting in front of the TV is very relaxing.

Having to drive all the way to the shops, find a parking space, pay for parking and then having to deal with the hussle and bustle of hundreds of other people trying to do the same thing. It's easy to see why you'd want to avoid this.

However, there are both advantages and disadvantages to online shopping to consider, prior to applying with different retailers.

Disadvantages of online shopping

When shopping on finance online, some of the disadvantages include:

These are some of the many threats you have to be mindful of, if you choose to shop online and on finance.

Advantages of online shopping

Like the cons, there are many advantages to shopping on finance online which include:

For those who do choose to shop on finance, there are many great benefits, the obvious being the ability to pay off purchases over time. As long as you compare different companies, know the potential risks, and do your research, the advantages can outweigh the disadvantages.

Why are Credit Scores Important?

Credit scores are vital parts of the financial life of a person. For instance, when you apply for credit, the lender will check your credit score. It helps them infer the possibility of you paying back the debt, and this is based on your credit history.

This will help them determine the type of loan you qualify for and the rate of interest you have to pay. The higher your credit score, usually it means a lower interest rate however it does not guarantee you'll get approved.

Credit scores are important, because they determine whether you qualify for getting a credit card, an education loan, a house or car loan, or a business loan.

Not only that, the credit score is the base to determine what kind of loan you qualify for, how much credit you qualify for and what your interest rates should be. A lower credit score means a higher interest rate and this in turn will make the loan cost higher.

Generally, people think that a credit score matters only when applying for a loan or for a credit card. But, it can go beyond that. Your credit score can also affect insurance rates and employment opportunities.

Insurance Rates: For some insurers, credit score plays an important role in determining your premium for everything from insuring your vehicle to insuring your home.

Insurers create an “insurance score” which is mainly based on your credit score. A poor score can pave the way for increased premiums each year, and a good score can result in a discount.

Employment Opportunities: A common, but a controversial practice that takes place today is an employer checking the credit score of potential new employees.

They use your credit history to determine the responsibility of a person. Many jobs that deal with money require a responsible person to handle cash. If an employer sees that an applicant has a bad credit score, then he may be hesitant to hire them.

Credit score is important, because it follows you through life and will play a major role in important financial situations.

Good credit scores will help you save money on interest fees and will give you more opportunities to secure the lines of credit you need. A good score usually means you're responsible with money which is a big tick for any lender.

Tips for Safe Online Shopping

Although there are risks associated with online shopping, you can do it safely by following these tips for safe online shopping, and by sticking to some sensible rules and staying alert for warning signs.

Today, practically anyone can set up an website. So, if you are buying from an unknown company:

Whichever website you are buying from:

How to make sure you are on a secure site

Enter your card details only on secure sites, because when you enter them on unsecure sites anyone can intercept and use them for fraud. On a secure site, you can see:

The IMRG ( has provided the ISIS (Internet Shopping Is Safe) logo to many retailers for reliability, data protection and security, so you can look for these websites.

Also worth checking out is Shopsafe (, which has rated several thousand shops based on their delivery costs and security.

Keep your antivirus software up to date

You may wonder what malware can do with online shopping and you will be highly surprised to find that it can do plenty. For example, a keylogger can record every keystroke and secretly send back information to the cybercriminals who made it. This includes information you have typed into a secure shopping site.

These tips for safe online shopping will help keep you and your family secure while you are shopping online.