Good chance of acceptance
A full service acatalogue that caters for all forms of credit profile
Catalogues with Credit
Brighthouse is an online catalogue to back up their High Street stores. Catalogue Credit or rent till you own is expected with payments made weekly or monthly to suit the customer and can be made in cash at the store or by online methods.
Applications for Brighthouse credit are based on a credit rating and affordability, consumers with poorer credit can also be accepted with little problem due to the way Brighthouse carry out their status and affordability checks. Brighthouse have one of the higher interest rates of all UK catalogues, but does enable the bad credit customers the opportunity to rent or own the latest in homewares, technology and electronics.
Products/Brands on offer
Brighthouse bring the latest in technology and design to the average household who are budget restricted and may have a less that perfect credit rating. Brands as such as Sony and Samsung can be found in the TV section with Nintendo, PlayStation and Xbox consoles readily available. The homeware sections include lounge and dining furniture with a great range of the latest kitchen appliances from microwaves to washer dryers, with the smaller items such as coffee machines and ironing stations also available in affordable regular payments. Basically, Brighthouse works as a rent till you own credit system allowing an alternative way to combat bad credit. Brighthouse also offer insurance and warranties for peace of mind throughout the credit agreement, and you can also upgrade many items such as computing or mobile phones.
Credit line – Bad credit accepted
Brighthouse is a credit only catalogue with a whacking interest rate of 69.9% variable APR, with little benefit for early repayment. You can apply for credit online and receive an instant decision or you can take out credit in person at a local store. Payments can be made weekly, fortnightly or monthly to suit income patterns.
Goods delivered by Brighthouse are typically by their own couriers due to the size of many items, delivery is arranged at the time of order and may well depend on manufacturers delivery times. There is no option for next day, selected day delivery or store collection as stores are mainly showrooms so customers can view products to rent or buy on credit.
Returns and exchanges are all covered by the Distance Selling Regulations and due to the credit application with each item returns must be arranged though the customer service phone line or in store.