Shopping with pay monthly credit catalogues

pay monthly credit catalogues

Shop using an online catalogue or request a printed version to be sent to your home.

Pay Monthly Credit Catalogues

Whether you have your eye on a product that is too expensive to pay for in one go (we’ve all been there), or you would just prefer the convenience of spreading out costs over an extended period of time, pay monthly catalogues are a great option.

How does it work?

The basic idea of a pay monthly catalogue can simply be summarised as “buy now, pay later”. Purchasing an item via this method means that you get your item now and you spread the cost of it over several instalments, typically paid back to the retailer monthly. Some retailers also offer weekly repayment options.

How much will I be charged?

In addition to the cost of the items you buy, you will also be charged interest on your credit account.

The retailers make money on credit accounts by charging you interest with your repayments. The longer you repay for your shopping, the more expensive the items will cost.

The interest figure you will be quoted is known as the APR (Annual Percentage Rate). APR is basically just an annualized figure showing the percentage cost that you are paying for the ability to buy on credit.

With a pay monthly catalogue you can:

  • Buy something extra special for a loved one
  • Purchase a new television or laptop
  • Invest in a stylish new wardrobe

All without paying a lump sum. This is where the advantage of the pay monthly catalogue comes to the fore. They are a convenient and affordable way of buying the expensive items you want without worrying about your bank account taking a big hit.

Pay monthly catalogues have existed for decades in print form. With such a competitive online shopping market, there are a plethora of excellent options available on the net nowadays.

Retailers compete with each other with discounts and tailored credit plans. This means that the world is your oyster in terms of choice.

How do I apply?

To buy an item on credit, you need to be aged 18 years or over and currently reside in the UK. Most companies carry out a credit check before approving a credit account. The reason for this is to assess your ability to pay back the purchase price plus any interest due.

There is no need to worry though if you have a poor credit rating. There are some retailers that are more lenient to customers with a bad credit history.

Once you have browsed through an online catalogue and found an item that takes your fancy, you apply for credit at the virtual checkout by filling out a simple application form.

The great thing is that you will quickly find out whether or not you have been approved to buy on credit.

Before the internet the approval process was drawn out because you had to submit a paper application form and wait days to hear back from the company. Now it is either instant or takes less than a couple of hours to get your answer.

You will be informed by e-mail if you have been approved and the company will send a statement containing all terms and conditions of credit to you. It is important to read through this carefully.

How do I repay?

If you have been approved for a credit account with an online retailer, it is often difficult to keep track of what you have bought, payments due and how much interest is payable on each item.

Luckily, companies send out statements every 28 days either online or by post. It is a good idea to study your statement in detail so you know exactly how much is due, when it is due, and what products you are paying for. Your statement will show:

  • The percentage interest charged for each product purchased
  • Your remaining balance broken down per item
  • The minimum amount you must pay to be in line with the specified credit terms
  • Exactly which items you have purchased on credit

If you buy an item on your credit account, you have a couple of choices on receipt of your first statement:

  • You can pay all of the remaining balance by the specified date. If you pay by this date, you will not be charged interest. This is handy if you find that you have more money than you expected and thus do not need to avail of the finance option.
  • You can go ahead and pay either monthly or weekly for your items. The retailer charges interest if you choose this option.

If you continue with the “buy now, pay later” option, your repayment period will range from one to four years with most companies.

A longer term of repayment means higher interest costs, so be wary of this!

Keeping up to date with your payments has two key benefits to you:

  • Firstly, it improves your credit rating, meaning a better chance of being approved for credit with other financial institutions.
  • Secondly, your credit limit will be increased. This means that you can either buy more items on credit or splash out on  pricier options.

What are the best companies for pay monthly catalogues?

This depends on the specific items you are looking to buy and it also depends on your particular financial situation. You can read through the following choices that we feel are the best under a number of categories.

Best catalogue for low interest rates (APR):


Argos are one of the largest catalogue retailers in Great Britain. You would be hard-pressed to find somebody who has never taken a cursory glance through an Argos catalogue. They have been in business for over 40 years and continue to be successful online and on the high-street.

Not many people are aware of their credit option though. The Argos Credit Card gives buyers the chance to buy now, pay later for a vast array of over 40,000 products from their catalogue.

Key features of the Argos Credit Card:

• Argos offers an impressive 29.9% APR on their buy now, pay later option.

• Your application is approved or rejected within 60 seconds.

• The possibility to increase your credit limit with every five months by £3,500.

• Manageable credit limit of between £150 and £1,000 ensuring you won’t get carried away with your spending.

• Pay nothing for the first six months on purchases over £100.

You can manage your credit account online with Argos. This allows you to check your statements daily and pay back some of the money you owe by debit card or direct debit.

The affordable APR combined and extensive selection of products to choose from makes Argos an excellent retailer for anybody looking to delve into the buy now, pay later option.

Best catalogue for gifts:

The Brilliant Gift Shop

This store lives up to its name, with hundreds of impressive gift choices that will make your loved ones feel that extra bit special.

The Brilliant Gift Shop stocks products from fashionable watches to baking gifts and everything in between. All items are grouped into handy categories and the website also features an intuitive search feature to find exactly what you are looking for.

There are regular discounts and exclusive products online and they update their promotions frequently.

The Brilliant Gift Shop offers a personal finance account option called “Spread The Cost”, which is their most popular method of payment. Here are they key features of The Brilliant Gift Shop personal account:

• The APR is 36.96% if paying by direct debit, otherwise 40.82%

• The Brilliant Gift Shop can vary the APR at their discretion , with 21 days notice.

• 14 day ‘try before you buy’ service

• Next day delivery

There are 20,000 unique gifts available on the website and over 600 personalized options to give that added touch of individuality with each gift. The range of options coupled with the try before you buy service means that The Brilliant Gift Shop is hard to beat when choosing the perfect present for your loved ones.

Best catalogue for ladies fashion:

Fashion World

Fashion World is a great choice for ladies who are looking to update their wardrobe. They offer a stylish selection of clothes ranging between sizes 12-32 and you can purchase on credit from their catalogue.

Their clothing range caters for all seasons and occasions, making it a good choice to find the perfect outfit and look fabulous.

They are up-to-date with the latest fashion trends and they stock impressive collections from big fashion names such as Grazia and AX Paris.

Their lingerie range is also impressive catering for ladies looking for comfort or something a little more revealing. Their clothes are affordable and stylish, making them our number one choice for women’s fashion catalogues.

They offer a spread the cost option for those of you who want to update your wardrobe now and pay for it in monthly instalments. Here are they key terms of credit for Fashion World:

• 58.7% APR. Fashion World can vary this at their discretion, with 21 days notice.

• 30% off your first credit order.

• Free delivery on your first credit order.

• Try your clothes on at home first for 14 days and return them if they are not to your liking.

The unbeatable 30% off your first order and ability to try on clothes before you buy them makes Fashion World by far the best pay monthly option for women’s fashion products.

Best catalogue for men’s fashion


Jacamo is a top notch candidate for gentlemen looking for stylish new clothes. Their credit catalogue features an extensive range of bold and unique clothes that ensure any man will stand out from the crowd in a good way.

They stock well-known menswear brands from French Connection to Joe Browns all ranging in sizes from S all the way up to 6XL.

Their collections are modern and trendy with an emphasis on clothes that fit your body well. Whether you need to get suited up for an important occasion or you are searching for something casual but stylish, Jacamo’s range makes any man look well-dressed.

You can spread the cost of your clothing purchases with a personal credit account, meaning you can look great without having your bank account looking decidedly empty.

Here are some of the key credit terms from Jacamo:

• 58.7% APR variable

• Next day delivery of credit orders

• Return unwanted items within 14 days

The range of sizes available, coupled with the stylish clothing makes Jacamo the number one choice for a pay monthly option on menswear.

Best for a poor credit rating:


Let’s face it, not everybody has a perfect credit rating. The cost of running a household in the modern age increases with every passing year and sometimes repayments can get on top of us, affecting our credit rating.

If you have a bad credit history, fret not, because Homebuy is a fantastic option for the budget conscious consumer who wants to upgrade their home.

The Homebuy catalogue features an extensive array of home furnishing options including luxurious leather suites and some of the most comfortable beds you will ever sleep in. They also stock a brilliant selection of home appliances including dishwashers and tumble dryers.

Homebuy offers customers an economical way of purchasing household goods with their hire purchase plan. Hire purchase means buying on credit, but not owning the goods until all repayments are made. Here are some features of the Homebuy credit option:

• All customers are welcome to apply, even if they have previously been refused credit.

• No deposit needed

• Pay in monthly or weekly instalments

There are many retailers who will flat out refuse customers with a poor credit rating, but Homebuy are fair and transparent and their responsible lending charter means arranging finance is hassle-free.

The range of home improvement items available means it is perfect for those of you who want to upgrade your home and give it that extra bit of panache.