If you have a lot of recent bad credit history – i.e. your credit file looks like your circumstances are getting slowly worse, it’s unlikely a catalog company will give you even a small credit limit. However, if you have a small amount of bad credit that you sorted out a while ago, maybe in the form of a few missed payments or default for a small amount of money, some catalogue companies may be willing to trust you with a small credit limit of around £250, and over time if you keep in line with the credit agreement you may find your limit is increased.

When you have a low income, you probably get paid weekly. Maybe making one large payment each month maybe too difficult for you especially if you are not good at managing money? Most catalogues will allow you to make weekly payments out of your benefits so you can plan you money better. It’s hard to find guaranteed furniture finance as all no credit check catalogues need some proof that you can afford to pay back. If you have a job and good credit history, it should be easy to find interest free credit on furniture, and even get a good price on what you buy.

Finding home shopping catalogues for people with bad credit can save you money too. If you have a family, bus fairs and train tickets can cost a lot of money, as well as the time it takes to trail round stores waiting for service that doesn’t exist.