Since the credit crunch has bitten, stats from Experian and Equifax show approximately 32% of people have some form of bad credit history.  Minor problems in your credit history include missed payments on catalogues, loans or credit cards.  More serious adverse credit records are like default notices, county court judgements (or CCJ’s) or even bankruptcy can make getting credit for tv’s washing machines and sofas very difficult, even with weekly payments.

Maybe you have a job, a few hundred pounds of savings, but desperately need a new plasma television, ps3 or other appliances.  You don’t want to part with the little savings you have do you, but you have a poor credit history, so what do you do?  Well some retailers have started to offer sofa no credit check, television no credit check or even washing machine no credit check.  For example, Bright house does not do credit checks, and sells appliances, plasma tv’s, ps3’s and other electrical goods with weekly payments so you can pay from your benefit book or weekly wages.

No credit check finance is growing very quickly because discrimination is not fair.  If you want a guaranteed no credit check purchase check out brighthouse or some of the products offered by provident. 

OK, from these places, you’re never going to get great prices and certainly not great interest rates, but when you need a new washing machine when you old one has broken, you’re better off getting one on credit than going out stealing bottles of vodka from shops or stealing expensive razors to sell to people door to door.  No credit check furniture is also available on weekly payments from some places too.

So if you’re looking for a guaranteed no credit check laptop, bed, dining room tables and chairs, blue ray DVD, iPod Touch, or Philips audio system Bright House weekly payment store is idea.

Check out an example:

BEKO  55cm Fridge Freezer in Silver   
Features

• A Energy rating – save money on your electricity bill
• Frost free
• 2 adjustable glass shelves
• 2 freezer compartments
• Cash Price: £351.10
• Number of weeks: 156
• Weekly payment: £3.24
• Total Payment: £505.44

The typical APR is 29.9% which is not too bad for subprime borrowing.

They may require you to take out Damage Liability Cover if you do not have your own home contents cover.

They also have Nintendo DS Lite, XBOX 360 consoles, Playstation 3, and PSP.  Other manufactures they have products from include Microsoft, Vodafone, Baird, Whirlpool, Acer, Samsung and Nintendo all with no credit scoring for people with bad credit histories, or with no credit histories.