Catalogues For Bad Credit History | No Credit Check Catalogues

Refused a catalogue account because of bad credit history? No credit check catalogues don’t exist, but here are some the best alternatives.

If you have a poor credit score you can still buy items using a bad credit catalogue, but your choices are limited compared to someone with an excellent credit rating.

This article takes a look at the three best catalogues that accept people with bad credit rating: BrightHouseDialaTV and HomeBuy. All three companies offer Pay Weekly options and allow you to spread the cost of your shopping in pay weekly or pay monthly installments.

You will find they are much more sympathetic to your situation compared to the other credit catalogues listed on this website. All applications are welcome even if you have a poor credit score. No deposit is required and the signup procedure is simple with a no fuss credit checking application.

1). BrightHouse

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Who are they?

BrightHouse are a weekly payment store providing a variety of products from top name brands such as Samsung, Beko, LG, Hotpoint, Sony Playstation, Nintendo, Microsoft Xbox and many more.

They have a high acceptance rate for people with bad credit offering items such as:

  • Televisionsbh0078_250x250
  • Computers
  • Consoles
  • Tablets
  • Mobile phones
  • Ovens
  • Freezers
  • Washing machines
  • Vacuum cleaners
  • Sofas
  • Beds

When buying from BrightHouse, you sign up for a Hire Purchase agreement and can pay weekly, fortnightly or monthly depending on how often you’re paid and what works best for you.

With over 300 stores all around the UK and serving a customer base of more than 270,000 customers, it’s no surprise that BrightHouse are a popular choice for those on low incomes, or who have a less than perfect credit score.

How do I apply?

To start shopping, you first of all need to apply online or in-store and choose the items you need.  Once your credit has been agreed, simply pop down to your local BrightHouse store, browse the products in their showroom and pick what you want. You get delivery and installation, so you don’t have to worry about transporting heavy or bulky items.

1) Start your application – The application can be completed in store or online. If you complete the application online then an appointment is made for you to visit the store, but if you turn up in store they can complete the application right there and then for you.

2) Visit the store – After completing the credit check, the appointment is made for you to visit the store. This is where they will finalise the checks needed to complete your credit agreement. In order to do this you will be required to take some documents to verify your identity and proof of income. The documents needed are as follows:-

3) Provide ID – bank statement, recent wage slips (last 3 if paid monthly/last 4 if paid weekly), benefit award letter or proof of pension Proof of address – a tenancy agreement or a mortgage statement Photo ID – driver’s license or passport Home contents insurance policy (if you have one)

4) Choose your product – Once you have been approved you then choose what product you want to buy. BrightHouse offer a large range of products for the home including furniture, kitchen appliances, computers, TV and Audio equipment and Games consoles. The weekly payments for the products and the length of the agreement depends on the price.

5) Wait for delivery – Having completed the credit check, visited the shop and chosen your product and signed the forms, you then need to wait for delivery. If the local shop to you has the product in stock, then delivery is usually within 7 days.

BrightHouse have over 250 high street stores

What else do they offer?

Free delivery, installation and set up
Delivery usually takes unto 7 days. BrightHouse will even set your item up in your home – right from connecting your brand new washing machine to unwrapping and tuning in the latest smart TV.

Free repair or replacement service
In the unfortunate event of fire or theft BrightHouse will provide a like for like product replacement.  No excess to pay, and no administration fees – it’s all included in the cash price.

Unlimited repairs
If something goes wrong with your product, you can arrange a home visit and have your product fixed for you. In the event they cannot fix your item, they will provide a similar specification item as a replacement.

To see if you qualify, you can apply online at, or alternatively pop into any of their high street stores the next time you are in town. Click here to see if there is a store near you.

2). Dial a TV


Who are they?

DialaTV specialise in affordable rental of household appliances and electronics. They are part of the Hughes Electrical Group, which is one of the largest retailers of electrical goods in the UK.

If you are on a low income or your credit rating is not perfect, Dial a TV will still consider your application.

They boast a huge range of TV’s to choose from including LED, LCD and Plasma TV’s with screen sizes ranging from 19-50 inch. Prices for TV’s start from just £1.90 per week!

You can rent to own a range of items on pay monthly or pay weekly cost:

  • LCD televisionsdtv_banner_1
  • Home cinema systems
  • Tablets
  • Consoles
  • Laptops
  • Fridges
  • Washing machines
  • Dishwashers
  • Cookers

How do I apply?

Applying is easy and everything is done online. Simply choose the items you want and register your details upon checkout.

You will be given an instant decision on whether you have been approved.

Your items will usually be delivered in seven days. If you need a more urgent delivery, then Dial a TV may be able to offer an express delivery on request.

What else do they offer?

Free installation
Dial a TV will install your complicated new DVD recorder, TV, HiFi system, or whatever you have ordered. This is especially useful for those who either do not have the time, or the knowledge, to get this done themselves.

Free delivery
Unless you have a large vehicle, such as a truck or van, it can be a nightmare to transport larger electronics to your home. Some companies will deliver for you – but they also charge a ridiculous fee. Dial a TV includes free delivery as a standard part of all of their rental plans. You will simply need to organize a date, and they will call in the morning to choose an appropriate time for delivery.

Free repairs
You will not have to pay for repairs to your products. If they cannot repair the unit in your home, they will allow you to use a similar replacement product while they take yours away to be fixed.

To see if you qualify, you can apply online at DialaTV.

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Dial a TV offer free delivery, installation and repair service


3). Homebuy


Who are they?

HomeBuy are a UK based catalogue company that offer a selection of branded household and entertainment essentials on a pay weekly basis. Their stock features products from top names, such as Samsung, Belling, Panasonic, Hotpoint and New World.

The company frequently extends credit to people with a poor credit rating, enabling them to purchase a selection of furniture, white goods and entertainment items including:

  • Bedshomebuy
  • Cookers
  • Sofas and chairs
  • Fridge freezers
  • Televisions
  • Laptops
  • Washing machines
  • Tumble driers
  • Dining sets

The goods are obtained using a hire purchase agreement and customers pay weekly for their items via a direct debit or standing order. If you keep up with your payments, it’s often possible to increase the amount you borrow, enabling you to select other items from the Homebuy collection.

How do I apply?

1. The first thing to do is browse the selection of premium products on offer at Homebuy and decide on the one that you want.

2. Contact Homebuy via their online ordering service or using the phone number of their website to place your order.

3. If you want to enjoy a weekly repayment plan, one of Homebuy’s Customer Account Managers will come and visit to take you through the application process.

In order to complete your application, you will need to have the following documentation ready for when the Customer Account Manager calls:

  • Proof of ID (for example a passport or driving licence)
  • Proof of address (a tenancy agreement, recent utility bills or similar information would be appropriate)
  • Evidence of income (last three wage slips or confirmation of benefits)
  • Reference from two relatives

4. If your application is successful, you can then go on to complete your order. In the rare event your application isn’t approved, you’ll still be able to buy goods outright from Homebuy. Remember that delivery of any item is free and the Homebuy team will also install it if necessary, usually within a week of delivery.

What else do they offer?

Many Homebuy customers choose to take out additional cover for their purchases, called the Homestart Promise Plan. For a small weekly payment, customers benefit from a comprehensive package of benefits which include:

  • Protection against breakdown
  • Repair and replace provided
  • Annual deep clean service
  • Unlimited repairs
  • Parts & labour provided

The Homestart Promise Plan means you don’t have to worry about inconvenient breakdown whilst you’ve got the cover in place.

Homebuy frequently review credit levels, so there’s every possibility of being able to buy more products, provided you are able to afford the repayments. As the application process is undertaken at home and payments come from your bank account, a Homebuy agreement is ideal for customers that can’t easily get to the shops in order to select products or make payments in person.


Should you rent-to-own instead of buying upfront?

When buying from with BrightHouse, DialaTV or Homebuy, you’re entering into a Hire Purchase agreement which is slightly different to buying something on credit. One of the key differences is that the product is still owned by the company until it is fully paid.

If you purchase your household products upfront, and something is damaged, who is stuck paying for the repairs? You might get lucky and manage to make the retailer honour their warranty, if you have one. However, in most cases, you simply have to hand over even more money for repairs – or buy a whole new unit.

When you rent-to-own, servicing and repairs are all part of the price. You get to enjoy your own new product, such as a big TV, but you can rest easy knowing that it is not going to cost you a penny more than the payment price – even if it breaks down.


This may seem obvious, but when applying, make sure you pay attention when entering your personal information. This is an important step to getting approved, so be sure to double check your details so everything is completely accurate. Any incorrect information can cause you to be immediately disqualified and you will not get an account.

Customers who are on the electoral role are more likely to be accepted for credit than those who are not. Many people assume they are already registered to vote, but this is not always the case. Contact your local electoral council and make sure you are registered to vote at the correct address.

Your credit score

Credit scores can be affected by many different factors but are mostly related to the types of debt you currently have and your repayment history in the past. You can view your personal credit report from the main agencies such as Experian and Equifax. The typical score for people in the UK somewhere between 300 and 850. Of course, higher scores are better, and lower scores are worse.

A score in the high 600’s is considered about average, but it will be harder to get credit at 680 than it will at 720. With most types of finances products, the worse your credit score, the more you have to pay. This is typical with products such as loans, credit cards and mortgages.

Improve your credit history

Pay monthly catalogues are ideal for this. You can repay your items with a small affordable payment each month and each time you do so, the transaction will be noted on your credit file . This will help strengthen your chances of getting finance in the future.

No credit check catalogues?

Note that there are no such things as no credit check catalogues with guaranteed acceptance and your best bet is to apply with the above companies and hope for the best. You may have a smaller credit limit to start with, however, once you have made regular repayments on time, you may be offered a higher credit limit and better payment terms in the future.

If you need a specific product like a new sofa, laptop, freezer, don’t let your bad credit history keep you from shopping online. It’s a win win situation – you can get the products you need and you can improve your future credit rating at the same time.