Pay Monthly Catalogues With Credit
Whether you have your eye on a product that is too expensive to pay for in one go (we’ve all been there), or you would just prefer the convenience of spreading out costs over an period of time, pay monthly catalogues may be a good solution. You can get the items you need now, and pay for them in instalments.
With a pay monthly catalogue you can:
- Purchase a television, washing machine or sofa
- Invest in a new wardrobe for yourself or family
- Buy something extra special for a loved one
Catalogue shopping can be a convenient and affordable way of buying the expensive items you want, without worrying about your bank account taking an immediate big hit. To qualify, you will need to open a catalogue credit account. Catalogue accounts are available to UK residents over 18 years of age, and are subject to status and affordability checks.
List Of Catalogues
While shopping catalogues have existed for decades in print form, many catalogues now have moved online, but you can still request a printed version to be sent to your home. Follow the links below where you can shop online, request a printed catalogue or open a catalogue account.
JD Williams Group
http://www.dialatv.co.uk – good for people with bad credit
How does it work?
The basic idea of a pay monthly catalogue is similar to “buy now, pay later”. Purchasing an item via this method, means that you get your item now and you spread the cost of it over several instalments at a later date. Instalments are typically paid back to the retailer on a monthly basis and can take months or years to repay.
How much will I be charged?
In addition to the cost of the items you buy, you will also be charged interest on your credit account. The catalogue retailers make money on credit accounts by charging you interest on your repayments. The longer you repay for your shopping, the more expensive the items will cost.
The interest figure you will be quoted is known as the APR (Annual Percentage Rate). APR is the annualised figure showing the percentage cost that you are paying for the ability to buy on credit. Each retailer offers a different APR figure, so check carefully before applying.
How do I apply?
Once you have browsed through the catalogue and found an item that takes your fancy, you apply for credit upon checkout by filling out the application form.
The great thing is that you will quickly find out whether or not you have been approved to buy on credit. Before the internet, the approval process was drawn out because you had to submit a paper application form and wait days to hear back from the company. Now it is either instant or takes less than a couple of hours to get your answer.
To open a catalogue credit account, you need to be aged 18 years or over and a UK resident. Credit is subject to status and catalogue companies will perform a credit and affordability check before approving your application.
How do I repay?
Statements are usually issued every month either online or by post. There are a couple of choices when you receive your statement:
- Pay all of the remaining balance by the specified date. If you pay by this date, you will not be charged interest.
- Pay the minimum amount specified on the statement. You will be charged interest until the balance is paid.
If you choose to spread the cost with your credit account it will cost you more than if you pay in full. The longer you take to repay for your items, the more it will cost.
It is a good idea to study your statement in detail so you know exactly how much is due, when it is due, and what products you are paying for. Your statement may show information such as:
- Your remaining balance
- What items you have purchased
- The minimum monthly payment
- The interest rates charged
What are the best pay monthly catalogues?
This depends on the specific items you are looking to buy and it also depends on your particular financial situation. You can read through the following choices that we feel are the best under a number of categories.
Fashion World – Best catalogue for ladies fashion
Fashion World is a great choice for ladies who are looking to update their wardrobe. They offer a stylish selection of clothes ranging between sizes 12-32 and you can purchase on credit from their catalogue.
Their clothing range caters for all seasons and occasions, making it a good choice to find the perfect outfit and look fabulous.
They are up-to-date with the latest fashion trends and they stock impressive collections from big fashion names such as Grazia and AX Paris.
Their lingerie range is also impressive catering for ladies looking for comfort or something a little more revealing. Their clothes are affordable and stylish, making them our number one choice for women’s fashion catalogues.
Jacamo – Best catalogue for men’s fashion
Jacamo is a top notch candidate for gentlemen looking for stylish new clothes. Their credit catalogue features an extensive range of bold and unique clothes that ensure any man will stand out from the crowd in a good way.
They stock well-known menswear brands from French Connection to Joe Browns all ranging in sizes from S all the way up to 6XL.
Their collections are modern and trendy with an emphasis on clothes that fit your body well. Whether you need to get suited up for an important occasion or you are searching for something casual but stylish, Jacamo’s range makes any man look well-dressed.
The range of sizes available, coupled with the stylish clothing makes Jacamo the number one choice for a pay monthly option on menswear.
Dial a TV – Best catalogue for bad credit rating
Let’s face it, not everybody has a perfect credit rating. The cost of running a household in the modern age increases with every passing year and sometimes repayments can get on top of us, affecting our credit rating.
If you have a bad credit history, fret not, because DialaTV is a fantastic option for the budget conscious consumer who wants to upgrade their home.
The DialaTV is a pay weekly rental catalogue and features an extensive array of home electronics, appliances and furniture. Choose from a variety of items including: Televisions, Laptops, Consoles, Tablets, Dishwashers, Tumble Dryers, Beds, Sofas and more.
DialaTV offers customers an economical way of getting household goods on their rental scheme. You do not own the product outright and simply pay for its use.
• All customers are welcome to apply, even if they have previously been refused credit.
• No deposit needed
• Pay in monthly or weekly instalments
There are many retailers who will flat out refuse customers with a poor credit rating, but DialaTV are fair and transparent and their responsible lending charter means arranging finance is hassle-free.
JD Williams Group
True to its name, Fashion World is dedicated to carrying the best and latest fashion looks. What’s more, the fabulous dresses, tunics, skirts, leggings, and more at Fashion World are for women of almost all sizes: the catalogue offers their clothing in sizes 8 through 36. Men and children can find the hottest new trends at Fashion World as well. Credit is available to shoppers who open up a personal account, and balances in good standing pay zero interest. New customers get 20% off their first order plus free standard delivery.
Fifty Plus carries beautiful, tasteful clothing for the mature woman. It’s attractive attire that suits the young at heart without compromising on fashion or quality. Dresses, blouses and trousers, swimwear, shoes, lingerie — they carry it all. Additionally, Fifty Plus carries sizes 10 to 32, so no matter what your body type, you’re sure to find something flattering. Open up a personal credit account, and you have 14 days to decide if you like a particular piece or want to return it. There is a small charge for home delivery, or click and collect is free on orders over £40.
Fashion forward men throughout the UK know that Jacamo carries all the latest clothing trends at affordable prices. You’ll find all the top brands at Jacamo, including French Connection, Original Penguin, Under Armour, and several of Jacamo’s own house brands. From t shirts and shorts to suits and ties, from casual trainers to formal shoes, Jacamo has everything you’ll need to look your best. Next day delivery is just £3.99, or you can choose click and collect at Jacamo stores for free. Open a Jacamo personal credit account and spread the cost of your purchases.
For attractive, sensible clothes that fit great and are priced right, it’s tough to beat JD Williams. While this shopping catalogue does carry a lot of clothing for women, especially plus sized women (they offer sizes 10 to 32), JD Williams actually has apparel for men and children as well. In fact, men will appreciate the variety of sizes available: chest sizes 36 to 66, waist sizes 32 to 64, and five inseam lengths. Shoppers can spread the cost if they open a personal account, and new JD Williams customers get 20% off their first order.
Julipa brands itself as “Your personal department store,” and one look through the merchandise available confirms that this is accurate. Featuring beautiful, sensible, and affordable clothing for mature women of all sizes, Julipa offers dresses and casual wear, accessories and beauty products, lingerie and shoes, and much more. There’s even a menswear department, a kids department, and a selection of housewares. Click and collect is available for free on orders over £40, or home delivery is offered for a nominal charge. Customers who create a personal account can spread the cost of their purchases.
A beautiful and affordable selection of the best casual wear is what you’ll find at Marisota. From dresses to denim, from tops to bottoms, from lingerie to swimwear, Marisota has it at prices that won’t break your budget. Women of all sizes can comfortably shop at Marisota too, as they carry apparel in sizes 8 through 34. Use the website’s Shapeology feature to find clothes that flatter your figure, no matter what it is. Next day delivery is available for all orders placed before 10pm the night before, and the catalogue even carries clothing for men and children as well.
Premier Man carries everything to properly attire all men. Whether you’re in need of a suit, a pair of jeans, some simple polos, or a pack of new boxer shorts, Premier Man has it at a great price. They even have a great selection of shoes: everything from trainers to walking boots to sandals to loafers. Create a personal account for credit, and you can spread the cost of all of your purchases. Standard delivery is just £3.50, next day and Sunday delivery are available for a bit more, and click and collect is free for orders over £40.
Simply Be understands that women don’t want to compromise on looking their best simply because they wear a larger size. All the latest looks are available at Simply Be in sizes 12-32; they carry everything from great party dresses to office casual attire to swimwear. There’s even a great line of activewear so you can feel comfortable while you’re staying fit. All items can be delivered to your home for a small fee, click and collect is always free, and for an added charge, Sunday delivery is available. Open a Simply Be account to spread the cost of your purchases.
Freemans Grattan Group
Women who have a hard time finding cute, fashionable, and affordable clothing in plus sizes will absolutely love Curvissa. Featuring casual tops and bottoms, activewear, dresses, lingerie, and swimwear in sizes 14 to 32, Curvissa can help you achieve the stunning looks you’re after. They have everything for the well dressed plus sized woman — and that includes a wide selection of shoes and accessories like purses, jewellery, belts, sunglasses, and more. Set up a personal account with Curvissa, and you can try any item for up to two weeks before you pay for it.
If you’re a modern woman who prides herself on being fashion forward, but you also don’t want to dress like everyone else, then the unique looks at Kaleidoscope are for you. Kaleidoscope is a catalogue that features the latest in dresses, swimwear, and more. The attention to detail on every garment is inspiring, and the prices are excellent for clothes of this quality. Kaleidoscope also has a Home & Lifestyle shop, so your flat or house can be as fashionable as you are. New Kaleidoscope customers who open a personal account enjoy 25% off and free shipping on their first order.
There’s “always something new” at Look Again, as the catalogue’s tagline goes. You’ll find great fashions for the whole family at Look Again, as well as a full line of sportswear (including fitness trackers), many types of shoes, accessories galore, and swimwear. What’s more, Look Again can keep your home up to date: the shopping catalogue sells appliances, televisions, audio equipment, vacuum cleaners, and more. Next day delivery is always available for orders placed before 10:30pm, personal accounts are available, and there are always sales on items throughout the year.
Freemans is known throughout the UK as the place to find great apparel for the whole family. Whether it’s a stylish dress for mom, some business casual clothes for dad, new school attire for the kids, or sportswear for everyone, Freemans is the place to go. They also carry an impressive selection of housewares, small appliances and electricals, and toys. Standard delivery is always free, and next day delivery is also available. Open a Freemans personal account with at least a £100 purchase, and you get a full year to pay off your balance.
For over 100 years, Grattan has been a widely respected name in shopping catalogues because of its competitively priced, high quality, and thoroughly fashionable clothing for the entire family. From hats to shoes and everything in between, Grattan can outfit every member of your household with a great look at an affordable price. Their site also carries a wide selection of electricals and home items. Free standard delivery on almost all items is available, and with a Grattan Account, you have up to a year to pay, interest-free, on all purchases over £100.
At Daxon, you’ll find dresses, casual wear, lingerie, shoes, and more for the woman who loves a great deal but refuses to compromise on style. No matter what size you wear, you’re likely to find it at Daxon; they carry clothing in sizes 10 through 38, lingerie in cups A to F, and shoes in sizes 2 to 9. New customers can sign up for emails and receive £15 off their first order, and all customers enjoy free shipping when they spend £75. Daxon also has an impressive selection of casual menswear, bedding, cooking accessories, and more for your home.
The French are known for their simple yet elegant sense of style, and when you shop at La Redoute, you can get, as the catalogue’s pitch line goes, French style made easy. Men, women, and even children can choose from a great selection of clothing that is well-made, highly affordable, and designed to look stylish and contemporary without appearing garish or over the top. Sales at La Redoute are frequent, and new stock is added regularly. Plus, customers with a La Redoute Style Account can try any of the catalogue’s items for up to 21 days before they buy it.
Shop Direct Group
Even though the Very shopping catalogue has only been around since 2009, it has grown into a popular online retail destination thanks to its stylish quality merchandise, its huge variety of available products, and its flexible credit accounts. Customers can find fashionable clothing for the whole family, plus furniture, electricals, beauty products, and all types of gifts at Very, all at competitive prices. Open a Very Account, and you have three monthly payments to clear your balance at no interest. Delivery charges are nominal, and free next-day click and collect is available on most items.
Littlewoods is an online shopping catalogue with an extensive selection of all kinds of products. Home and garden items, beauty products, toys and gaming systems, clothing for everyone in your house, and much more can be purchased from their site. Perhaps most appealing about Littlewoods is their flexibility in how you pay. You can spread the cost of your small purchase over 20 weeks with no interest. Spend at least £50, and you’ve got a full year to pay. For big ticket items, you can apply for up to four years of interest free credit. Standard delivery is always free.
With well over 30,000 products in its massive catalogue, Argos is your one-stop online destination for everything you need for your life. Whether it’s clothing, appliances, furniture, home entertainment, a bicycle, or anything else you’re looking for, chances are good that Argos has it. Their prices are highly affordable, and getting your merchandise is easy: you can pick it up at your nearest Argos store for free, or you can have it delivered. Large items typically get delivered the day after you order them, and most items at Argos are available for next-day delivery for just £3.95.
BrightHouse is the UK’s top rent-to-own catalogue, thanks to its wide selection of high quality products and its Five Star Service Guarantee. Items like computers, home appliances, televisions, and nursery furniture can be purchased for a low weekly payment. With BrightHouse, delivery and installation are always free, and repairs are included with the cost. They’ll give you a loan product when repairs take too long, and they’ll even provide you with a like-for-like replacement if something can’t be fixed. To become a customer, simply fill out the pre-approval forms, then bring the required documents to your closest BrightHouse store.
At Buy as You View, customers can purchase all sorts of electronics, home appliances, and furniture by making easy and affordable weekly or monthly payments. Whether you need a new washer and dryer, a dining room table, or a brand new TV, Buy as You View has you covered. After completing a straightforward application process, the items you’d like to own are delivered to your home within 72 hours, and there are no added delivery charges. Thanks to the company’s discreet smart meter, all payments are monitored electronically to ensure that you stay current on your account.
Whether you’re looking for a gift for a friend, a gift for a family member, or a gift for yourself, you’re likely to find just the thing at Studio. This is a shopping catalogue that offers just about everything: clothing and shoes for every member of the family, housewares and sportswear, electronic equipment and outdoor supplies,games, Christmas items, and more. There’s no need to wait for a sale when you’re shopping at Studio: their prices are amazingly affordable, and customers can either pay in full or spread the cost when they open a personal account.
Since 1991, Dial-a-TV has been one of the UK’s premier rent to own shopping catalogue. As the name implies, Dial-a-TV does carry televisions, but they also rent so much more: kitchen appliances, computers, mobile phones, and more. Low weekly rental prices make their products affordable for just about everyone. What’s more, the company’s customer service is excellent. Dial-a-TV will deliver any product you rent to your home for free. They will also install it, and if anything should go wrong during your rental period, they will either fix it for free or replace it with an equivalent product.