They are also known as ‘rent-to-own’ retailers 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 and will consider your application even if you have a poor credit score.
Who are they?
With over 250 stores all around the UK and serving a customer base of more than 285,000 customers, it’s no surprise that BrightHouse are considered the nation’s most popular rent-to-own retailers.
BrightHouse believe that everybody deserves the best, even if they’re on a reduced income which can make a large one-off payment difficult. All their items are available on easy credit terms and repayments are calculated on a weekly basis, so you know exactly how much you need to pay and when.
Ideal for household essentials such as a washing machine, fridge freezer or bed, BrightHouse also offers premium electrical goods, televisions and computers from leading brands.
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.
Delivery is included in the purchase cost and they’ll always repair a faulty item, providing a like-for-like replacement should this not be possible.
Their extensive catalogue allows you to choose from a variety of items including:
All customers receive:
- Free delivery within seven days
- Free installation and set-up
- Free repair or replacement service
To see if you qualify, you can apply online at www.brighthouse.co.uk, 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?
Dial-a-TV 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.
You can rent to own a range of items on monthly or weekly cost:
- LCD Televisions
- Home cinema systems
- Washing machines
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.
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.
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.
Should you rent-to-own instead of buying upfront?
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, from Dial a TV or BrightHouse, 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.
Any alternative bad credit catalogues?
The table below lists a number of catalogue companies which all belong in the N Brown Group. The companies that fall into this group, tend to be slightly easier to get accepted for compared to retailers in the Shop Direct Group (Littlewoods, Very, K&Co.).
N Brown Group catalogues
|Catalogue||What Can I Buy?||More Info|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Over 50's, Children's Clothes, Home & Garden Electricals, Footwear, Beauty, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Children's Clothes, Lingerie, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Women's Clothing, Accessories, Footwear, Lingerie||Shop Now|
|Plus Size Clothing, Men's Clothing, Accessories, Footwear, Sports, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Accessories, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothing, Over 50's, Men's Clothing, Footwear, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Plus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, Gifts||Shop Now|
|Gifts, Jewellery, Toys, Electricals, Home & Garden, Children's Clothing||Shop Now|
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 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.