Catalogues for Bad Credit
Honest reviews of UK catalogues that consider lower credit scores, with real APRs and credit limits side by side, so you know what to expect before you apply.
Catalogues Compared
30+
Top Credit Catalogues
Independently reviewed catalogues that help you manage your budget.
| Catalogue Name | Interest Rate | Credit Limit | Decision Time | Trustpilot | Action |
|---|---|---|---|---|---|
|
Very
Big-brand choice
|
44.9% APR | Up to £2,000 | ~3 min |
star
star
star
star
star
|
Read Review |
|
Littlewoods
Weekly payments
|
39.9% APR | Up to £1,500 | ~5 min |
star
star
star
star
star
|
Read Review |
|
Studio
Low starting limits
|
39.9% APR | Up to £1,500 | ~3 min |
star
star
star
star
star
|
Read Review |
|
JD Williams
Over-50s fashion
|
39.9% APR | Up to £1,000 | ~10 min |
star
star
star
star
star_half
|
Read Review |
|
Simply Be
Sizes 12–32
|
39.9% APR | Up to £1,000 | ~10 min |
star
star
star
star
star_half
|
Read Review |
|
Freemans
Flexible plans
|
39.9% APR | Up to £1,000 | Up to 24h |
star
star
star
star
star
|
Read Review |
|
Jacamo
Menswear
|
24.9% APR | Up to £1,000 | ~10 min |
star
star
star
star
star
|
Read Review |
|
Grattan
Household basics
|
39.9% APR | Up to £1,000 | Up to 24h |
star
star
star
star
star
|
Read Review |
|
Next
Fast delivery
|
24.9% - 29.9% APR | Up to £2,000 | ~5 min |
star
star
star
star
star
|
Read Review |
|
Argos
Click & collect
|
34.9% APR | Up to £2,000 | ~5 min |
star
star
star
star
star
|
Read Review |
|
Marisota
Plus-size fashion
|
39.9% APR | Up to £1,000 | ~10 min |
star
star_half
star
star
star
|
Read Review |
|
Fashion World
Budget fashion
|
39.9% APR | Up to £1,000 | ~10 min |
star
star
star
star
star
|
Read Review |
Before you use buy now, pay later — see what it really costs
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What People Buy on Catalogue Credit
The purchases people most often spread the cost of, and our review of the catalogue behind each one.
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Pay Monthly by Product
Spread the cost on electronics, furniture, and home essentials with catalogue credit.
Guides & Advice
Practical help with catalogue credit, BNPL, and shopping with bad credit.
Buy Now Pay Later Catalogues
Compare BNPL options from Klarna, Clearpay, and UK catalogues.
Read guideCatalogues for Bad Credit
Which catalogues accept bad credit applications in 2026?
Read guideShopping with Bad Credit
Your complete guide to credit options when your score is low.
Read guideWhat Is Buy Now Pay Later?
How BNPL works, the risks, and which providers to trust.
Read guideCatalogues with Instant Credit
What "instant credit" really means and your fastest options.
Read guideNew Catalogues to Watch
Alternative credit options beyond the big-name catalogues.
Fair For You
Social enterprise offering affordable credit for household appliances. An ethical alternative to rent-to-own.
Read ReviewSunshine Mobile
Sunshine Mobile sells phones on 36-month contracts and says it runs no credit check. Our review looks at what that really costs.
Read ReviewNew Is Nice
Up to £1,200 catalogue credit. Read our honest review of the costs and membership fees.
Read Review