The Top 5 No-Credit-Check Catalogues: Easy Shopping for All

The Top 5 No-Credit-Check Catalogues Easy Shopping for All

Shopping online should be easy and stress-free, especially if you’re dealing with credit issues. 

No-credit-check catalogues are a fantastic way to buy what you need without worrying about your credit score. 

Let’s dive into the top five no-credit-check catalogues, perfect for hassle-free shopping.

What is a No-Credit-Check Catalogue?

A no-credit-check catalogue allows you to purchase items on credit without the need for a credit check

These catalogues are ideal for individuals who have poor credit or no credit history at all. 

You can get the products you want and pay for them over time, making it a convenient option for many.

Common Questions and Concerns

Will a no-credit-check catalogue affect my credit score?

No, applying for and using a no-credit-check catalogue won’t impact your credit score. 

Since these companies don’t check your credit, there’s no inquiry recorded on your credit report. 

This is particularly beneficial for individuals who are trying to rebuild their credit, as it allows them to access credit without adding hard inquiries to their credit reports.

How do these catalogues make money if they don’t check credit?

These catalogues often charge higher interest rates on financed purchases. It’s important to read the terms carefully and understand the cost of financing. 

Higher interest rates compensate for the increased risk the company takes by not performing a credit check. 

Additionally, some catalogues may have fees associated with late payments or specific services, so being aware of these potential costs is crucial.

Are there any hidden fees?

Always read the fine print. While many catalogues are upfront about their fees, some might have hidden charges for late payments or other services. 

It’s essential to understand all the terms and conditions before committing to a purchase. 

Hidden fees can include things like late payment fees, account maintenance fees, and fees for optional services like insurance or expedited shipping.

Can I build my credit with a no-credit-check catalogue?

Typically, no-credit-check catalogues do not report your payment history to the credit bureaus, which means they won’t help you build credit.

However, some catalogues may offer programs or services that do report to credit bureaus, so it’s worth checking the details if building credit is a priority for you.

The Top 5 No-Credit-Check Catalogues

Here are the best no-credit-check catalogues that make shopping easy and accessible for everyone:


Fingerhut is one of the most popular no-credit-check catalogues. They offer a wide range of products, from electronics to home goods. Plus, they have an easy-to-understand payment plan.


  • Extensive product range
  • Easy payment options
  • Frequent sales and discounts


  • Higher interest rates

User Experience:

Many users appreciate Fingerhut’s broad selection of products and the ease of making payments. 

Jane, a long-time customer, says, “Fingerhut made it possible for me to furnish my apartment without worrying about my credit score. 

The monthly payments are manageable, and they always have great sales.”

How It Works:

Fingerhut offers two types of accounts: Fingerhut Advantage Revolving Credit Account and Fingerhut FreshStart Instalment Loan. 

The Advantage account is a revolving credit line, while FreshStart is a one-time instalment loan designed to transition to a revolving credit line after successful repayment.

Interest Rates:

Fingerhut’s interest rates are higher than average, typically around 29.99%. It’s crucial to pay off balances quickly to avoid high interest charges.

Special Features:

Fingerhut often has promotions, such as free shipping or percentage-off deals, which can make purchases more affordable. 

They also offer a satisfaction guarantee, allowing returns within 30 days.


Stoneberry is known for its flexible payment options and a vast selection of products. They often run promotions that can save you even more.


  • Flexible payment plans
  • Frequent promotions
  • Wide product selection


  • Interest rates can be high

User Experience:

Customers like the flexibility of Stoneberry’s payment plans. Mark, who frequently shops at Stoneberry, says, “I love how I can buy the latest gadgets and pay over time. The promotions are a bonus and really help me save money.”

How It Works:

Stoneberry offers a Stoneberry Credit Plan, which allows you to make monthly payments on your purchases. 

The credit limit and monthly payments depend on your account standing and purchase history.

Interest Rates:

Stoneberry’s interest rates can be as high as 23.99%, which is slightly lower than some competitors but still requires careful management to avoid high costs.

Special Features:

Stoneberry frequently offers promotions, including discounts on specific categories and holiday sales. They also provide a 30-day return policy, giving customers peace of mind.

Seventh Avenue

Seventh Avenue offers unique items, including furniture and home decor, making it a great choice for those looking to spruce up their living space.


  • Unique product selection
  • Easy monthly payments
  • Good customer service


  • Some items can be pricey

User Experience:

Seventh Avenue is popular for its unique and stylish products. Sarah, a satisfied customer, shares, “I love shopping at Seventh Avenue for their unique decor items. The payment plans make it easy to afford the pieces I want.”

How It Works:

Seventh Avenue offers a credit plan where you can buy now and pay later. The monthly payments are based on the total amount of your purchase and your account history.

Interest Rates:

The interest rates at Seventh Avenue can be as high as 25.99%. Like other catalogues, it’s best to pay off your balance as quickly as possible to avoid accumulating interest.

Special Features:

Seventh Avenue stands out for its unique product offerings. They also provide a 30-day satisfaction guarantee and offer occasional discounts and free shipping promotions.


Gettington provides a variety of products, from fashion to electronics. Their two types of payment plans offer flexibility based on your budget.


  • Two payment plan options
  • Variety of products
  • User-friendly website


  • Interest rates vary

User Experience:

Gettington’s flexibility in payment plans is a hit among customers. Alex, who frequently shops on Gettington, notes, “I appreciate the choice between the Fast Option and Easy Payments. It allows me to manage my budget better.”

How It Works:

Gettington offers two payment plan options: Fast Option and Easy Payments. 

The Fast Option requires higher monthly payments with lower overall interest, while Easy Payments spreads out payments with higher interest over time.

Interest Rates:

Interest rates on Gettington can vary based on the payment plan chosen. The Fast Option has a lower interest rate, while the Easy Payments plan can go up to 29.99%.

Special Features:

Gettington often runs sales and promotions, and their website is easy to navigate. They also provide a 30-day return policy for most items.

The Top 5 No-Credit-Check Catalogues

Montgomery Ward

Montgomery Ward is a classic in the world of catalogues. They offer a “Buy Now, Pay Later” option, making it easy to get what you need when you need it.


  • Trusted brand
  • Variety of products
  • Flexible payment options


  • Somewhat limited selection compared to others

User Experience:

Montgomery Ward’s long-standing reputation makes it a trusted choice. Lisa, a loyal customer, states, “I’ve been shopping with Montgomery Ward for years. Their payment plans are straightforward, and I trust their quality.”

How It Works:

Montgomery Ward offers a revolving credit plan where you can make monthly payments based on your purchases and credit limit.

Interest Rates:

The interest rates at Montgomery Ward are around 25.99%, which is competitive but still requires careful management to avoid high costs.

Special Features:

Montgomery Ward often has seasonal sales and discounts. They also offer a satisfaction guarantee, allowing returns within 60 days, which is longer than many competitors.

Tips for Using No-Credit-Check Catalogues Wisely

To make the most of no-credit-check catalogues without falling into debt, consider the following tips:

  • Read the Terms: Always read the terms and conditions to understand interest rates and fees. Knowing what you’re agreeing to helps you avoid unexpected charges.
  • Budget: Ensure you can afford the monthly payments to avoid late fees. Create a budget and stick to it, prioritising essential purchases.
  • Compare Prices: Check if the items are available cheaper elsewhere, even after financing costs. Sometimes paying upfront elsewhere can save you money in the long run.
  • Make Payments on Time: Late payments can incur additional fees and higher interest rates. Set reminders to pay on time to avoid these charges.
  • Start Small: Begin with small purchases to test out the catalogue and understand the payment process before committing to larger items.
  • Monitor Your Spending: Keep track of your purchases and remaining credit limit to avoid overspending.

Engage with Us!

What has been your experience with no-credit-check catalogues? Do you have any favourites that we missed? Share your thoughts in the comments below! If you found this guide helpful, don’t forget to share it with your friends on social media.

Keeping It Fresh

We regularly update our content to bring you the latest and greatest in no-credit-check catalogues. 

Bookmark this page and check back for updates! By keeping our content current, we ensure you have access to the best deals and the latest information.

Real-Life Example: John’s Story

John, a father of two, found himself in a tight spot after unexpected medical bills. His credit took a hit, and traditional credit options were out of reach. 

John discovered Fingerhut and decided to give it a try. He was able to purchase a new refrigerator and a laptop for his kids’ schoolwork with manageable monthly payments. “Fingerhut was a lifesaver,” John shares. 

“The process was easy, and I didn’t have to worry about my credit score. Plus, the monthly payments fit into my budget.”


No-credit-check catalogues can be a lifeline for those needing a financial break. With options like Fingerhut, Stoneberry, Seventh Avenue, Gettington, and Montgomery Ward, you can shop with ease and flexibility. 

Remember to use these tips to make informed decisions and enjoy a stress-free shopping experience.


What are the top 5 no-credit-check catalogues for bad credit

The top 5 no-credit-check catalogues for bad credit are:

  • Accepted Catalogue Limited: Offers unregulated credit agreements with over 80,000 products to choose from.
  • Grattan: Provides a flexiway credit account with flexible payment plans and no credit checks.
  • Mad For It: Offers £1200 catalogue credit with personalised payment plans and no set up costs.
  • Zilch App: Allows shopping with no credit checks and flexible payment options.
  • Clearpay App: Offers shopping with no credit checks and flexible payment options.

Can I get accepted for a catalogue with bad credit?

Yes, you can still get accepted for a catalogue even with bad credit. Catalogues specifically designed for bad credit customers are available, such as those from Accepted Catalogue Limited and Mad For It. 

These catalogues often have more lenient acceptance criteria and flexible payment plans.

Are there any catalogues that offer no credit checks?

Unfortunately, no catalogues offer true no-credit-check options. All catalogue companies require some form of credit check to prevent fraud and ensure the customer can make repayments on time.

How do I apply for a catalogue with bad credit?

To apply for a catalogue with bad credit, you can try the following steps:

  • Check eligibility: Look for catalogues that specifically cater to bad credit customers, such as those mentioned above.
  • Apply: Fill out the application form, which usually includes a credit check.
  • Review terms: Understand the payment terms and conditions before committing to the catalogue.

Are there any additional fees or charges for using these catalogues?

Yes, there may be additional fees or charges for using these catalogues. 

For example, some catalogues may charge higher interest rates or late fees for missed payments. 

It is essential to carefully review the terms and conditions before applying

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