electricalsFor those who have a stiff pocket, need to buy certain products that are way off your budget or are facing a heavy debt problem, there’s a reason to brighten up. Many online shopping stores in UK offer financing options for those with bad credit history. With an indirect monitoring system, they help you out by offering credit with easy payment options and greater incentives like gradually increasing credit limits, improvement in credit scores and free home delivery. With most retailers, you also pay no interest at all on timely payments up to twelve months!


There is less variety in terms of laptops, but you can buy laptops on credit without having to undergo a credit check. They offer credit with great incentives, but do keep a close watch on your payment. In the case of Perfect Home and PayWeeklyStore, you can avail extremely low EMI options and free delivery on timely payment. You can also pay on a weekly or monthly basis, according to your convenience. On defaulting on payment, customers incur a high interest charge and reduction of their credit limit, so it is something you should be looking to avoid.


Buying electronic items on a shoestring budget can be an arduous task. However, there are many stores which sell an iPad on pay monthly, pay weekly and buy now pay later schemes. For those with a poor credit history, it is possible to buy an iPad and only pay what you can afford. All you need to do is submit is proof of residence, income and age at most UK retailers like Littlewoods, Argos, are now among retailers offering credit options. The terms of repayment allow you to spread the cost of your purchase over a number of months without having to pay any interest, provided you make timely installments.

Mobile phones

There are many catalogues where you’ll find a wide variety of the latest phones on offer, including high end Android phones and Apple iPhones. Buying phones outright can be an expensive affair, since the cost usually runs into hundreds of pounds. Financing can also be difficult if you have a bad credit score, but most of these retailers offer credit financing options, which require you to simply tender proof of address, proof of age and a few other documents in order to avail credit. You can thus spread the cost of the phone over several months and get away with paying no interest with selected store if you make timely payments! You will not find a high end phone with a no credit check financing option in the UK out side of a mobile contract.


On some websites, cameras are available at very cheap rates and are also available for those with a bad credit history. Also, you can take credit even if you have a bad credit score, although you will still have to go through a credit and affordability check before you can be accepted for credit. All you have to do is submit a few documents like proof of age, proof of residence and enough income to cover your installments and you’re ready to avail credit up to a particular limit. Payments on the installments can be made on a monthly or weekly basis, like on the popular retail store Perfect Home. Free home delivery and a gradual rise in your credit score is just the icing on the coke if you keep making timely payments!