Catalogues For Bad Credit

Refused a catalogue credit account?

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 two best catalogues that accept people with bad credit rating: BrightHouse and DialaTV. Both 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. Both companies will consider your application even if you have a poor credit score.

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 monthly or 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

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

When buying from BrightHouse or DialaTV 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, from DialaTV 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.

Alternative home shopping bad credit catalogues

The table below lists a number of pay monthly 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, K&Co, & Very).

Please note these retailers do not specifically advertise themeselves as being ‘bad credit catalogues’ with guaranteed acceptance. BrightHouse and Dial-a-TV are your best chance if you are worried about your credit score as they are the easiest catalogues to get approved with, even if you have very bad credit rating.

N Brown Group catalogues

CatalogueWhat Can I Buy?More Info
cataloguesPlus Size Clothing, Women's Clothes, Men's Clothes, Over 50's, Children's Clothes, Home & Garden Electricals, Footwear, Beauty, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothes, Men's Clothes, Lingerie, Footwear, Home & Garden, Electricals, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Children's Clothes, Lingerie, Footwear, Home & Garden, Electricals, GiftsShop Now
cataloguesWomen's Clothing, Accessories, Footwear, LingerieShop Now
cataloguesPlus Size Clothing, Men's Clothing, Accessories, Footwear, Sports, Home & Garden, Electricals, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothes, Men's Clothes, Accessories, Footwear, Home & Garden, Electricals, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothing, Over 50's, Men's Clothing, Footwear, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothes, Over 50's, Men's Clothes, Footwear, Home & Garden, Electricals, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothes, Men's Clothes, Footwear, Home & Garden, Electricals, GiftsShop Now
cataloguesPlus Size Clothing, Women's Clothes, Men's Clothes, Children's Clothes, Footwear, Home & Garden, Electricals, GiftsShop Now
cataloguesGifts, Jewellery, Toys, Electricals, Home & Garden, Children's ClothingShop 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  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.