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In order to apply for finance from an online store or catalogue you will need to be 18 years or older, have lived in the UK for 3 years or more and be able to prove your income. You will need to complete an online application form where the store will do a small credit check on you to ensure that the risk for them remains low. The good thing about this is that the acceptance rates for stores and catalogues are far higher than that for banks!
 
Once you’ve completed your application you can then continue shopping and order what you want as well as choosing what payment option you wish to use, i.e. monthly or weekly installments. A few days after your order you will be notified whether or not you have been approved credit and if so, when your items will be delivered as well as details of when your payments will begin. As long as you make all of your payments on time the store may very well increase your credit limit.
 
However, if you find yourself struggling to meet a deadline, contact the store and let them know of your situation. They will most likely be happy to come to some other agreement where you pay a bit extra but over a much longer period of time. Whatever you do, do not do nothing! This will definitely lead to high interest charges that you will eventually have to pay as well as having a negative effect on your credit score!