The lead guide
Catalogues for bad credit, explained properly
Turned down before? Most refusals come from a hard credit score cut-off, not from anything about you today. This guide shows which kinds of catalogue look past an old score, what they ask instead, and how to apply once rather than five times.
1. Know why you were refused
Score cut-offs, thin files and recent searches are the usual three.
2. Run the checklist
Five things to sort before any application.
3. Pick the right type
Revolving account, buy-now-pay-later or fixed plan: they treat bad credit very differently.
The acceptance checklist
Electoral roll, linked addresses, spacing your applications: the quick fixes that change outcomes.
Got a CCJ or a default?
What a lender actually sees, how long it shows for, and which options still say yes.
Three ways to spread the cost
A side-by-side of revolving catalogue accounts, buy-now-pay-later and fixed weekly or monthly plans.
Reader questions
Real questions from people rebuilding their credit, answered without the jargon.
Shop the departments
Once you know you're likely to be accepted, these are the ranges you can spread the cost on.
Televisions
Smart TVs from compact bedroom sets to big-screen living-room centrepieces.
Consoles & gaming
Current-generation consoles, controllers and gaming bundles.
Laptops
Everyday laptops for college, home admin and working from home.
Sofas
Corner units, two and three-seaters and sofa beds.
Beds & mattresses
Bed frames, divans and mattresses in every standard UK size.
Home appliances
Washing machines, fridge freezers and the big kitchen essentials.
Small kitchen
Air fryers, coffee machines, kettles and countertop helpers.
Garden & outdoor
Garden furniture, tools and outdoor living pieces.
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