Catalogues for Bad Credit and CCJs: A Guide to Shopping with Confidence

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For UK customers with a poor credit rating or a County Court Judgment (CCJ), finding a suitable shopping option can be difficult. However, there are catalogues for bad credit and CCJs that offer various options.

To be eligible, credit check catalogues might require you to have a good credit history. If you have a bad credit history, catalogues for bad credit or pay weekly catalogues might be a better option.

bad credit catalogues

What are Catalogues for Bad Credit and CCJs?

Catalogues designed for customers with bad credit or CCJs offer guaranteed acceptance even if you have a poor credit history. These catalogues enable you to split the cost of your shopping and pay in monthly instalments which can positively impact your credit rating.

Additionally, some catalogues may provide interest-free credit options. To get started with these catalogues, you’ll need a bank account and can choose to create a personal account with a catalogue company that caters to customers with bad credit.

How do Credit Catalogues Work?

Credit catalogues are a type of shopping service that allows you to buy items on credit and pay for them over time. They work in a similar way to traditional mail-order catalogues, but with the added convenience of being able to shop online.

When you open an account with a credit catalogue, you’ll be assigned a credit limit, which is the maximum amount of money you can borrow from the catalogue. This credit limit is determined based on factors such as your credit rating, income, and other personal details.

Once you’ve been assigned a credit limit, you can start shopping. Credit catalogues typically offer an extensive collection of products, including clothing, electronics, home and garden equipment, and more. You can add items to your basket and checkout, choosing the payment option that works best for you.

Some catalogues offer interest-free credit, while others may charge interest. You’ll need to make regular payments on your purchases, typically on a monthly basis, until the balance is paid off. It’s important to make prompt payments, as this can help improve your credit rating and increase your chances of being offered a higher credit limit in the future.

What is a Credit Check Catalogue?

A credit check catalogue is a catalogue that checks your credit rating before giving you credit. If you have a poor credit rating, you may not be eligible for credit with these catalogues. However, there are other catalogues for bad credit and CCJs that do not require a credit check.

low credit score

How to Improve Your Credit Rating

To improve your credit rating, it’s important to make regular payments on time. This will show lenders that you can manage your money responsibly. You can also check your credit file to make sure there are no errors that could be affecting your rating.

Pay Monthly Catalogues

Pay monthly catalogues allow you to spread the cost of your purchases over several months. You can make monthly payments that are affordable and convenient. Many of these catalogues also offer interest-free periods, which can help you save money.

Buy Now Pay Later

Buy now pay later catalogues allow you to defer your payments for a set period of time, typically six months to a year. This can give you some breathing room if you need to make a large purchase and don’t have the money upfront.

Instant Credit Catalogues

Instant credit catalogues offer credit without the need for a credit check. These catalogues are ideal for those who have a poor credit rating or a CCJ. However, it’s important to note that these catalogues often come with high interest rates.

Catalogue Credit Limits

Catalogue credit limits are the maximum amount of credit that you can be offered by a catalogue. The credit limit will depend on your credit rating and other factors such as your income and expenses.

Payment Options

Most catalogues offer multiple payment options to suit your budget. You can choose to pay monthly, weekly or bi-weekly. You can also make payments using a credit or debit card, or set up a direct debit.

Catalogue Companies

There are many catalogue companies that offer credit to UK customers. Some of the most popular include Littlewoods, Very, Studio, and JD Williams. Each of these companies has its own unique range of products and payment options.

Online Catalogue Shopping

Online catalogue shopping is convenient and easy. You can shop from the comfort of your own home and have your purchases delivered to your door. Many catalogues also offer same-day delivery, which can be a lifesaver if you need something quickly.


Catalogues for bad credit and CCJs offer a range of options for UK customers who need credit. By shopping with these catalogues, you can improve your credit rating and get the things you need at a price you can afford. Just remember to shop around, read the terms and conditions carefully, and make prompt payments to avoid any additional charges

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