Your questions, answered

I was refused by three catalogues last month. Should I keep trying?

Pause the hard-search applications for a few weeks. Use soft-search checks to see where you're likely to be accepted, then apply once.

Can I get a catalogue with no job?

Some plans accept regular benefits or pension income, as long as the repayments are affordable.

Will checking my acceptance hurt my score?

A soft check doesn't affect your score, and other lenders can't see it.

Do I need a bank account?

You'll need a debit card in your own name to set up the repayments.

What happens if I miss a payment?

Contact the provider straight away. Most will agree a new date if you talk to them early.