Catalogues for bad credit
Refused Everywhere Else? Start Here.
Turned down by Very, Studio, Klarna or a network? Our decision doesn't see any of it.
- ✓ No credit check
- ✓ 0% APR, always
- ✓ Rated 4.9 by customers
How it works
1
Check your limit
Answer a few questions. No credit check, no hard search — a decision in under 60 seconds.
2
Choose your items
Pick anything up to your limit, from TVs and consoles to sofas and appliances.
3
Pay in 12 equal payments
0% APR, no interest, no balloon payment. Choose the date that suits your payday.
Questions people ask
Can I reapply to them later?
You can, but nothing changes until the underlying file changes — which usually takes months.
Do you run a credit check?
No. We use our own affordability model — no hard search, no Experian or Equifax check. Applying leaves your credit file untouched.
What's the interest rate?
0% APR for the full term, every time. You pay the sticker price plus a one-off activation fee, spread over 6 to 12 monthly payments.
How much can I spend?
A store credit limit is approved in under 60 seconds. Mix categories on one plan if you want to.