Buy now pay later catalogues enable purchases through instalment plans, and they accept users with perfect, ‘not-so-good’, and CCJs financial profiles.
Many providers have shifted to digital formats but maintain their practices of enabling easy purchases through display and financing.
While they may be similar to conventional etailers offering buy now pay later options at checkout, they differ as most maintain their financing services in-house, allowing them to provide payment plans to many users, including those with bad credit scores.
Best Buy Now Pay Later Catalogues
Below is the list of top digital catalogues that offer credit to different user profiles:
High Acceptance Catalogues with Credit
The platforms below provide catalogues for bad credits with very high acceptance rates but require down payments:
Yes Catalogue
Max. Amount
£1,200
Credit Check
None
Category
Home & Electronics
Tip: It provides between £500 to £1,200 for all credit types with payment plans put to 36 weeks but it requires four weeks payment before delivery.
Yes is one of the best buy now pay later catalogues that accepts almost everyone, including those with poor financial standings.
It does not perform any inquiry when you apply, hence, it will leave no impact. However, before you get your goods delivered, you are required to pay weekly until the fourth week.
As a first-time user, you can access up to £500 through its unregulated agreement, allowing repayment over 12 weeks.
Depending on your usage of its offering and the trust gained over time, you may qualify for up to £1,200 which allows 36 weeks of instalments.
Accepted Catalogue
Max. Amount
£650
Credit Check
None
Category
Home & Electronics
Tip: The platform offers up to £650 that can be used to finance its catalogue but requires three bi-weekly payments before you get your items.
This is one of the catalogues for bad credit, and you can consider it if you do not want to use others who rely on the bureaus to determine eligibility.
Accepted allows an instalment plan of up to six months with repayments expected every two weeks.
Before your order is dispatched, the platform requires a minimum of three payments, equivalent to six weeks after placing it.
New is Nice
Max. Amount
£1,200
Credit Check
Soft
Category
Home & Electronics
Tip: Its instalment is for 12 months, and credit up to a maximum of £1,200 can be used to finance items on its portal.
New Is Nice is one of the providers that works on a categorisation model depending on the financial profiles of its users.
It has VIP and Premium classes and you may be able to skip upfront part-payment if your credit score is healthy.
However, most others who fall outside the VIP will be given a chance through the Premium category but this requires two payments charged monthly before the good will be delivered.
Flava Home
Max. Amount
£500
Credit Check
Soft
Category
Home & Electronics
Tip: You can access up to £500 to purchase items in its inventory on weekly repayment terms. Depending on your credit standing, down payments between 1 to 6 weeks may be required.
Flava Home is another interesting option on this list of buy now pay later catalogues, thanks to its good collections of home and electronics items.
It usually conducts a soft inquiry. The order can be delivered after the first payment if your profile meets its ‘good-fit’ requirements.
For other users with insufficient data after the assessability check, six payments will be required and it will be charged weekly.
Yes Network
Max. Amount
Varies
Credit Check
None
Category
Phone Contract
Tip: You can qualify to get a mobile device of your choice from its inventory but returnable at the end of the contract.
The platform works differently from the other catalogues for bad credit as it mainly focuses on broadband plans. Depending on which is selected at checkout, you will be given a group of handsets to choose from.
If you are approved, two months’ payment is required before you can qualify for your preferred mobile phone and it will be charged weekly for eight weeks.
However, Yes Network will deliver a package that contains a SIM card and based on request, a starter phone during the first two months.
After completing the trial phase payments, you can return the starter handset for a full refund to get your preferred smartphone.
Since the company is primarily into broadband service, the devices you get are on a contract term and have to be returned when you decide to cancel your agreement.
Sunshine Mobile
Max. Amount
Varies
Credit Check
None
Category
Phone Contract
Tip: It also allows you to pick a handset of your choice based on your broadband plan subscription. 8 weeks of payment are required before delivery.
It is one of the companies on this list of catalogues for bad credit that provides a phone contract as an add-on to its primary service.
Similar to Yes Network, Sunshine Mobile will provide a starter package that includes a SIM and a basic phone for eight weeks.
The platform offers different devices from top brands like Apple, Samsung, and Google Pixels, but the handset is not fully yours as it will be retrieved at the end of the contract.
Mad For It
Max. Amount
£1,200
Credit Check
Soft
Category
Home & Electronics
Tip: It offers different plans with varying credit limits between £450 and £1,200. You can also spread payments over 12 months.
Mad For It is an interesting option on this list considering how it assigns its purchasing power to different types of users.
When you apply, the platform will perform a check and depending on the result, you may be placed under its VIP group if you have a good financial record that requires no down payment before your order is dispatched.
Other groupings include Premium Plus (1 payment), Premium (3 payments), and Basic (4 payments). Your items will be delivered after completing the required number of bi-weekly payments.
Only the VIP users can access £1,200 with the other users left with any of £850, £750, and £450 in maximum credits.
Fair For You
Max. Amount
£600
Credit Check
Soft
Category
Home & Electronics
Tip: You can access funds to shop on its marketplace. It gives a prepaid card you can utilise at high-street stores after some months.
Fair For You is a charity-based institution enabling people with not-so-good credit scores to access financing for home essentials.
You can qualify for up to £600 to buy products on its portal, including electronics, sofas, and appliances sourced from its partners.
The difference between Fair For You and the other providers of catalogues for bad credit on this list is its prepaid card.
With this card, you can shop online and in-store at its partner stores and spread the cost of your purchases. But you must have been on the platform for six months with no payment default.
Other Catalogues with Credit
The platforms below are catalogues with finance options but they require fair to good credit scores:
Very
Max. Amount
£1,000
APR
44.9%
Category
Generic
Tip: It offers different financing options, including Take 3, BNPL, and monthly instalments. Use coupon code WELCOME for a 20% discount.
Very is one of the top buy now pay later catalogues, and it covers a wide range of items, including clothing, footwear, appliances, electronics, and other home products.
The platform supports different payment plans with the Take 3 allowing for interest-free financing within three months.
The alternatives include opting for the 12-month plan or longer which comes at a representative APR of 44.9%.
Grattan
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: With Flexiway, you can spread payments for your purchases over 12 months with up to £1,000 in credit to access. There is a 20% discount at checkout with code F2SP.
Grattan is another interesting platform that provides a catalogue with credit you can use to finance products in diverse categories like clothing, electronics, beauty, garden items, and others.
Through the Flexiway option at checkout, you can spread the cost of your purchases over a period of 12 months.
There is a representative APR of 39.9% using this option to make payment but you can avoid paying the interest by completing the full balance by the statement due date.
Home Essentials
Max. Amount
£1,000
APR
44.9%
Category
Generic
Tip: Home Pay Credit allows you to access a maximum of £1,000 to purchase products with instalments up to 12 months.
Home Essentials is another popular destination that provides shopping credit. It is dedicated primarily to home improvement products, but you can also get items like groceries, DIY, bikes, toys, and others.
Available at checkout, there is an APR of 44.9% that applies to unpaid balances after the statement due date.
Ambrose Wilson
Max. Amount
£1,000
APR
44.9%
Category
Generic
Tip: Ambrose Pay allows you to enjoy its payment plan for up to 12 months with a maximum credit of £1,000 to access.
It is one of the platforms on this list of buy now pay later catalogues that is part of the JD Williams family of shopping brands.
Ambrose Williams’ categories include clothing, footwear, beauty, electronics, appliances, home, and gifts.
The interest rate of its credit account is 44.9% but just like others, you can avoid this by settling your balance on or before the statement due date.
Freemans
Max. Amount
£300
APR
39.9%
Category
Generic
Tip: Use code J3JP to enjoy a 25% discount on your first order through the Flexi3 credit account.
You almost cannot have a list of platforms with credit without mentioning Freemans, one of the oldest active providers.
While it is known for its good clothing and accessories collection, the platform also boasts items like electronics, furniture, and other products.
Through its Flexi option, you can spread the cost of your purchases into three-month instalments.
There is an APR of 39.9% if you exceed your zero-interest period.
Littlewoods
Max. Amount
£1,500
APR
44.9%
Category
Generic
Tip: With code WELCOME, Littlewoods will apply a 20% discount when you submit your first credit order.
This is one of the amazing catalogues with credit, thanks to its huge product collection that includes home items, clothing, electronics, sports, jewellery, and more.
It has different financing options, and you can enjoy payment plans of up to four years, including zero-interest offering
The length of your plan depends on the option chosen at checkout and varies between 20 weeks and four years.
Its buy now pay later plan has an APR of 44.9% but the alternative credit card option is 39.9%.
If you complete the cash price payment within the delay period, the interest will not be charged.
Kaleidoscope
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: Use code UB2P at checkout for a 20% discount on your first credit account order.
Kaleidoscope is one of the credit providers within the Grattan family of shopping platforms.
Just like its parent company, you can utilise Flexiway at checkout to complete your order on instalment terms with credit up to £1,000.
While there is no down payment until the fifth week, the option has an interest with an APR of 39.9% representative.
Look Again
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: You can select Flexiway at checkout for an up to 12-month payment plan with a 39.9% APR representative.
Look Again is also under the Grattan family of companies and retails items in multiple categories, including furniture, fashion, electronics, and beauty products.
To utilise its financing option, select the Flexiway method at checkout, and you will be able to apply for credit.
A representative APR of 39.9% applies when approved but you may be able to enjoy its BNPL plan on orders of £100 and above that comes with interest-free financing.
Curvissa
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: The platform accepts coupon code UB2P for a 20% discount on your first credit account purchase.
While it is more known for its large clothing collection for plus-sized women, Curvissa has improved its catalogue to include furniture, electronics, gifts, home, and garden products.
Also part of Freemans Grattan’s family of brands, it utilises Flexiway at checkout to enable its users to spread the cost of their purchases on the platform.
Its credit account has an APR of 39.9% which can be avoided if you pay the full amount by the statement due date.
Bonprix
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: Enjoy 12 months of instalment through the Flexiway option at checkout and pay nothing for 5 weeks.
Bonprix is another popular option on this list of buy now pay later catalogues, thanks to its huge collections, which include fashion items from top brands, electronics, sofas, personal care products, and more.
It is also a Freemans’ brand hence, utilises Flexiway at checkout to enable customers to split their payments into monthly instalments.
You will enjoy five weeks with no down payment but its APR comes at 39.9% just like others within the family.
Lascana
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: It is into women’s lingerie, swimwear, and fashion, offering a range of designs.
Lascana specialises majorly in women’s items such as lingerie, swimwear, knickers, shapewear, hosiery, beachwear, and related fashion designs with a small collection of men’s products.
While its catalogue contains mostly products with its brand name, you can see others from top providers like Jetti, Buffalo, Petite Fleur, Sloggi, Puma, and more.
It is one of the platforms that accept the Flexiway payment method hence, you will also have a representative APR of 39.9% to deal with if selected.
Ace
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: You can spread the cost of your purchase when shopping on the platform for up to 18 months.
Ace is one of the online shops that accept Studio Pay, a credit financing option available across many retailers within the Studio Retail Trading Limited group of companies.
This option allows up to 18 months of instalments, and new users can enjoy zero fees within the Interest Saver period of 3 to 9 months.
There is also a 39.9% representative APR when you select the Studio Pay option on the Ace portal.
Damart
Max. Amount
£500
APR
37.7%
Category
Fashion
Tip: It provides credit for up to 12 months in instalments, including an interest-free 3-month plan.
The platform is into clothing, particularly thermal wear and comfortable apparel, including tops, trousers, jackets, and accessories.
You need to select the Personal Account option at checkout to use the Damart credit offer to complete the payment.
Compared to the other buy now pay later catalogues on this list, it has one of the best fees, with its interest-based option having an APR of 37.7%.
Fashion World
Max. Amount
£1,000
APR
44.9%
Category
Generic
Tip: With FW Pay, you can enjoy a year of payment plan for fashion as well as other products like electronics, sofas, and more.
Fashion World is part of the JD Williams group of digital catalogue providers, with its credit option at checkout called FW Pay.
Just like its parent company, using this payment method comes at a representative APR of 44.9% which you can avoid by paying the full amount by the statement due date.
Simply Be
Max. Amount
£1,000
APR
44.9%
Category
Fashion
Tip: The Pay Simply Be option is for shop now, pay later purchases of women’s wear, especially plus-size items.
It is one of the catalogue providers focusing mainly on plus-size women’s fashion, offering items such as lingerie, swimwear, knits, denim, knits, and footwear.
Also, as part of the JD Williams group, you can use the option for up to 12 months of instalments with a representative APR of 44.9%.
Jacamo
Max. Amount
£1,000
APR
44.9%
Category
Fashion
Tip: Enjoy 25% off your first order when you pay with your credit account using the coupon code JAC25.
Jacamo specialises in men’s fashion, including products such as clothing, footwear, sportswear, and accessories.
The platform also operates as part of the JD Williams brands and like many of them within the group, the pay later option comes with a representative APR of 44.9%.
Premier Man
Max. Amount
£1,000
APR
44.9%
Category
Generic
Tip: It has a vast collection of items in its catalogue, including clothing, footwear, electronics, appliances, and home essentials.
Originally one of the top destinations for men’s fashion, the platform has expanded to include more categories, including women’s clothing, gift items, electronics, furniture, and more.
It is also part of the brands under the JD Williams group with its credit allowing up to 12 months instalments at a representative APR of 44.9%.
Studio
Max. Amount
£1,000
APR
39.9%
Category
Generic
Tip: Through Studio Pay, you can spread payments up to 18 months at an APR of 39.9%.
The platform is one of the popular buy now pay later catalogues known for its huge product collection, which spans multiple categories.
Its financing is one of the payment plan options provided by the Frasers Group alongside Frasers Plus, which is available at popular retailers like Cruise, Flannels, Game, Sports Direct, and others.
The Studio Pay option comes with a promotional offer you can utilise to avoid paying interest between the first 3 to 9 months. However, its APR is 39.9% representative.
Crazy Clearance
Max. Amount
£1,000
APR
44.9%
Category
Fashion
Tip: It focuses on discounted fashion, with a limited inventory of homeware and accessories.
Another catalogue provider on this list from the JD Williams group which specialises majorly in clothing items, but it does have some products within the home and leisure category.
All the companies within the group utilising the same credit technology maintain a common APR of 44.9%.
JD Williams
Max. Amount
£1,000
APR
44.9%
Category
Generic
Tip: Select the JDW Pay option at checkout to enjoy up to 12 months of payment plan. Coupon code STARS gives a 20% discount.
JD Williams is another household name in the United Kingdom when it comes to catalogues with credit options.
Its inventory is vast, including products in categories that include clothing, beauty, home, electronics, and others.
La Redoute
Max. Amount
£1,200
APR
Up to 43.9%
Category
Fashion & Home
Tip: LR Pay APR varies between 21.9% and 43.9% and can be used up to a year instalment.
This is a popular retailer known for its good fashion catalogue, as well as home decor and accessories.
Its internally-managed financing option called LR Pay gives shopping credit of up to £1,200 that can be used to spread the cost of your purchases up to 12 months, including interest-free pay in a 3-month plan.
The APR varies and depending on the result of the soft inquiry after applying, you will be offered between 21.9% and 43.9%.
While many of the buy now pay later catalogues on this list accept users with bad credit, you also need to commit to responsible usage to improve your financial profile which can give you better options as your score increases.
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