Do you want to shop online but don’t have enough money right now? That’s okay! You can still buy what you want with pay monthly catalogues that let you pay later.
Here’s how Buy Now Pay Later works:
- Get catalogue credit: We can help you find the best catalogues in the UK that offer a lot of products and let you pay later.
- Decide How to Pay: You can either pay for your items in a pay weekly catalogue or in a pay monthly catalogue. Monthly catalogues as more common.
- Apply: To apply, you just need to give your name, address, birthdate, and information about your job and income. Then, the catalogue will give you an answer right away.
- Shop: Once you’re approved, you can start shopping! Just add the items you want to your basket and check out.
- Pay Later: You can choose the payment plan that works best for you and start paying later, either every week or every month.
- Credit Check: Some catalogues may check your credit before approving you, but there are also catalogues that don’t check your credit at all. If you have low credit score you are going to want to apply for a bad credit catalogue, also known as a no credit check catalogue.
- Responsible Lending: Catalogues are now required by law to make sure they are lending money responsibly, so if you are managing your money well, you might be able to get a higher credit limit. But if you’re not doing well with paying back other loans, you might not be able to get more money from the catalogue.
So that’s how you can shop with a catalogue and pay later! It’s a convenient way to buy what you want now and pay for it over time.
But there are some things to think about before you start shopping online and using a catalogue to finance your purchases.
Buy Now Pay Later: The Good
You can make small payments each month, instead of paying for everything at once.
You can buy a lot of different things on finance, like clothes, electronics, and even new phones.
Shopping from home saves you time and money, and is just more comfortable.
Depending on the catalogue, you can choose how often you make payments, like every week or every month.
Buy Now Pay Later: The Bad
With pay monthly catalogues, you have to pay interest when you finance your purchases. Make sure you compare different catalogues and websites to find the best deal.
Be careful of scams and frauds. Only shop with reputable catalogue companies, but be aware that there are bad people out there who try to trick people.
If you like having the latest and newest things, shopping on finance might not be for you because you have to fully pay off one purchase before you can finance another.
Shopping online could mean your personal information, like your credit card number, gets stolen.
If you apply for pay monthly credit accounts with bad credit you need to make sure that you are applying for a bad credit catalogue.
Why are Credit Scores Important?
Your credit score is a big part of your financial life. It tells people who might lend you money, like banks or loan companies, if you’re likely to pay them back.
Based on your credit score as reported by a credit reference agency, they’ll decide what kind of loan you qualify for and how much interest you’ll have to pay and whether you get instant credit or not. If you have a good credit score, you might get a loan with a lower interest rate, but there’s no guarantee you’ll get approved.
Your credit score is important because it affects:
- Getting a credit card or a loan, like for a car or a house
- How much money you can borrow
- How much interest you’ll pay
- Your insurance rates (how much you pay to insure your car or your home)
- Your mobile phone contracts
- If you get hired for a job, especially one that deals with money
Having a good credit score shows people that you’re responsible with money, and that makes it more likely you’ll be approved for loans and credit cards. It also helps you save money on interest and gives you more opportunities for financial things you might need in the future.
Safe Online Shopping Tips with Credit Check Catalogues
When you shop at online catalogues, it’s important to stay safe. Here’s what you need to know to stay safe while shopping online:
Shopping from Unknown Companies
If you’re shopping from a company you’ve never heard of, make sure to do these things:
- Only buy from a company if someone you trust recommends it
- Check if it’s a real company by looking them up on Companies House
- Make sure you can find their address and phone number, not just an email or mobile number
- Be extra careful if the company is based overseas, because you may not have heard of them before
- Verify your catalogue bank account
Shopping from Any Website
No matter what weekly catalogues you’re shopping from, you should do these things:
- Check their privacy policy and return policy. Make sure you know what to do if you’re not happy with your purchase and if your information is safe.
- Read reviews and ratings from other shoppers
- Keep a copy of your order and any emails from the company about your purchase
- Make sure the amount of money you spent matches the amount taken from your account
- Check their monthly payments schedule
- Find out what information is required in your personal account if you have poor credit.
Shopping on Secure Sites
When you’re shopping, make sure you’re on a secure site. You can tell if a site is secure if:
- You see a padlock symbol in the bottom right of your screen. But even this doesn’t always mean it’s secure.
- The web address starts with “https://”, the “s” stands for “secure”
- You can also check out Shopsafe (shopsafe.co.uk), which rates shops based on delivery and security
Protecting Your Computer
Your computer can also be at risk when you shop online. Here’s how to protect it:
- Keep your antivirus software up to date, this will help protect you from any bad software that could steal your information.
- Be careful, malware like keyloggers can record what you type and send it to cybercriminals. This includes information you type on a secure shopping site.
By following these tips, you and your family can shop online safely.
Women’s Clothing on Finance
Online retailers now offer finance options for women’s clothing and accessories. If you’re short on cash, you can buy now and pay later or pay in monthly or weekly instalments. Popular catalogues for pay monthly deals are Fashion World, Marisota, and Simply Be.
Note that you’ll need to pass a credit check to be eligible for finance. If you have a bad credit history, you may face higher interest rates or difficulty getting accepted. Be sure to read the terms and conditions to fully understand the cost.
Laptops and Desktops on Finance
Buying a new laptop or desktop can be expensive, but you have the option to finance it. You can pay in monthly or weekly instalments or buy now and pay later with no deposit. Some catalogues offer an interest-free credit period, but only for customers with a good credit rating.
If you have bad credit, you may need to look for a more lenient catalogue or store, but be aware of higher interest rates. Renting a laptop from a rent-to-own store is another option to consider.
Sofas on Finance
Getting a new sofa can be overwhelming, but you can finance it with a buy now and pay later or pay in monthly or weekly instalments plan. Buy now and pay later plans often come with no deposit and interest-free credit. Renting a sofa is also an option with rent-to-own stores.
Keep in mind that finance plans come with credit checks. If you have a bad credit rating, you may face difficulty getting accepted and higher interest rates.
Cookers on Finance
Buying a cooker can be costly, but you can spread the cost with finance options. Online stores offer buy now and pay later plans with no deposit, or you can pay in monthly or weekly instalments. Note that a credit check is usually required and those with bad credit may face higher interest rates.
Ambrose Wilson Review
Ambrose Wilson is an online catalogue merchant in the UK that focuses on plus-size clothing for mature women. The company also sells electrical items, home goods, kids’ clothing, and footwear.
Argos Review
Argos is one of the UK’s largest retailers that stocks a wide range of products, including consumer electronics, games, toys, gifts, and household appliances. The store’s target audience is diverse, attracting customers of all ages. To budget more effectively, you can apply for the Argos Card and make repayments over time for any purchases.
Hughes Rental Review
Hughes Rental is an online UK rental catalogue company with over 23 years of experience. Customers can find a wide range of products, including kitchen appliances, home entertainment, and technology products. They also offer home entertainment and cleaning packages for rent.
Fifty Plus Review
Fifty Plus is an online catalogue for women over the age of 50. The store features a wide selection of clothing, including plus-size options, with sizes ranging from 12 to 34.
Julipa Review
Julipa is a catalogue company that specialises in a wide range of products, including women’s clothing and health and beauty items. The company is known for offering plus-sized clothing options that are not typically found on the UK high street. Opening an account with Julipa offers the benefits of home delivery and the option to spread the cost of payments if you are accepted for a credit account.
PerfectHome
PerfectHome is the place to go for all things home. With buy-now, pay-later options, you can find a wide range of new home furnishings and entertainment centres at affordable prices. If accepted for credit, you can also spread the cost over time, making it easier to purchase the latest goods or invest in pricey home goods.
Premier Man Review
Premier Man is a UK catalogue company that specialises in clothing, footwear, and accessories for men, with a focus on larger sizes. The company offers a wide range of clothing styles and designs, as well as consumer electronics such as games consoles, digital cameras, and computers. Women’s items are also available.
The Brilliant Gift Shop Review
The Brilliant Gift Shop is an online store that specialises in gifts for all occasions, from weddings to birthdays to anniversaries. The store offers first-class service and home delivery, and if accepted for a credit account, you can spread the cost of your purchases over time.
Witt International
Witt International offers a wide range of products, so you don’t have to compromise quality for affordability. Choose Witt International for catalogue shopping and avoid paying exorbitant interest on your purchases. Find a reputable catalogue vendor and pay attention to what you are doing.