Even with the growth of online shopping, catalog shopping has seen a resurgence in popularity. According to the Harvard Business Review, multi-channel shopping has been a driver for this trend. For example, many shoppers look at a catalog first, then go online to buy.

One factor which contributes to the popularity of catalog shopping is the opportunity for instant credit approval for purchases, so you can buy now and pay later. An instant credit approval can give customers some breathing room, allowing them extra time to pay off the full balance of their purchase.

Included in This Article

  • Things to consider before you shop on credit

  • A list of choose and charge catalogs, organized by merchandise type

  • How to apply for credit to receive instant approval

  • Rates and fees

  • Available payment options

  • Important links to return policies, online catalogs, and more…

Things to Consider Before Using Choose and Charge Catalogs

It can be very tempting to buy more than you originally planned from choose and charge catalogs, so it’s important to consider a few things when comparing the various companies that offer instant credit catalog purchasing. Here are some things to keep in mind when shopping from any “buy now, pay later” catalog:

  • The overall interest rate you’ll pay
  • Whether a credit check is performed
  • The annual fees or other associated costs
  • Any penalties for late payments
  • How easy it is to return or exchange items

To help you make an informed decision, we’ve highlighted the important details below for some of the most popular instant credit approval catalogs, organized by category: clothing and shoes, food items, home goods, and multi-category retailers.

Instant Credit Catalogs | Clothing & Shoes

1. ASHRO

  • Types of Items Sold: Men and women’s clothing, shoes, wigs, accessories
  • Download an ASHRO online catalog.
  • Credit Application Process: Short application when customers choose ASHRO Credit as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 30 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the ASHRO credit option.
  • Visit the ASHRO website.

2. K. Jordan

  • Types of Items Sold: Women’s clothing, shoes, and accessories
  • Download a K. Jordan online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.50 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 90 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the K. Jordan credit option.
  • Visit the K. Jordan website.

3. Mason Easy-Pay

  • Types of Items Sold: Men, women’s, and children’s clothing, shoes, accessories
  • Download a Mason Easy-Pay online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.50 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 120 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Mason Easy-Pay credit option.
  • Visit the Mason Easy-Pay website.

4. Masseys

  • Types of Items Sold: Men, women’s, and children’s clothing, shoes, accessories
  • Download a Masseys online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.50 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 120 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Masseys credit option.
  • Visit the Masseys website.

5. Monroe and Main

  • Types of Items Sold: Men’s and women’s clothing, shoes, jewelry, accessories
  • Download a Monroe and Main online catalog.
  • Credit Application Process: Short application when customers choose Monroe and Main Credit as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 60 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Monroe and Main credit option.
  • Visit the Monroe and Main website.

Instant Credit Catalogs | Food

6. Figis

  • Types of Items Sold: Food gifts, including meats, cheese, cakes, candy, nuts, snacks, and sugar-free items
  • Download a Figis online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: None; customers make three deferred monthly payments with no interest due
  • Penalties or Fees: No annual fee or over-limit fees; late payment fee up to $15.00
  • Return Policy: Items should be returned within 90 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Figis credit option.
  • Visit the Figis website.

7. The Swiss Colony

  • Types of Items Sold: Food gifts, including meats, cakes, candy, nuts, snacks, and gluten-free items
  • Download The Swiss Colony online catalog.
  • Credit Application Process: Two question application when customers choose Swiss Colony Credit as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: No return window disclosed
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about The Swiss Colony credit option.
  • Visit The Swiss Colony website

8. The Tender Filet

  • Types of Items Sold: Meats, sides, desserts, kitchen essentials
  • Download The Tender Filet online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: No return window disclosed
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about The Tender Filet credit option
  • Visit the The Tender Filet website.

9. Wisconsin Cheeseman

  • Types of Items Sold: Food gifts, including cheese, meats, desserts, nuts, and snacks
  • Download a Wisconsin Cheeseman online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: No return window disclosed
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Wisconsin Cheeseman credit option.
  • Visit the Wisconsin Cheeseman website.

Instant Credit Catalogs | Home Goods

10. Ballard Designs

  • Types of Items Sold: Home goods, furniture, rugs and drapery, home decor
  • Request a Ballard Designs catalog.
  • Credit Application Process: Shoppers have to register as a new customer on the Ballard Designs website to apply for a store credit card.
  • Is a Credit Check Done?: Yes
  • Standard APR: 27.24%
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $1.00; late payment fee up to $37.00
  • Return Policy: Items should be returned within 90 days
  • Accepted Payment Types: Online payments made by check only (customers will provide a bank routing number)
  • Read more about the Ballard Designs credit option.
  • Visit the Ballard Designs website.

11. BrylaneHome

  • Types of Items Sold: Home goods, furniture, rugs, windows, kitchen and dining
  • Request a BrylaneHome catalog.
  • Credit Application Process: There is a credit application form on the website. Customers are applying for a store credit card.
  • Is a Credit Check Done?: Yes
  • Standard APR: 27.24%
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $2.00; late payment fee up to $37.00
  • Return Policy: Items should be returned within 90 days
  • Accepted Payment Types: Online payments made by check only (customers will provide a bank routing number)
  • Read more about the BrylaneHome credit option.
  • Visit the BrylaneHome website.

12. Country Door

  • Types of Items Sold: Home goods, furniture, rugs, windows, kitchen and dining
  • Download a Country Door online catalog.
  • Credit Application Process: Short application when customers choose Country Door Credit as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: Upholstery Furniture Collection items should be returned within 30 days; no time limit specified for other items
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Country Door credit option.
  • Visit the Country Door website.

Instant Credit Catalogs | Multiple Item Categories

13. Fingerhut

  • Types of Items Sold: Home goods, toys, electronics, clothing, jewelry, sports, gift, crafts
  • Download a Fingerhut mobile app.
  • Credit Application Process: There is a credit application form on the website.
  • Is a Credit Check Done?: Yes
  • Standard APR: 25.15%
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $1.00; late payment fee up to $38.00
  • Return Policy: Items should be returned within 30 days
  • Accepted Payment Types: Mobile app, debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Fingerhut credit option.
  • Visit the Fingerhut website.

14. Gettington

  • Types of Items Sold: Home goods, toys, electronics, tools, automotive, clothing, jewelry
  • Download a Gettington mobile app.
  • Credit Application Process: There is a credit application form on the website.
  • Is a Credit Check Done?: Yes
  • Standard APR: 25.15%
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest of $0.50; late payment fee up to $38.00
  • Return Policy: Items should be returned within 30 days
  • Accepted Payment Types: Mobile app, debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Gettington credit option.
  • Visit the Gettington website.

15. Ginny’s

  • Types of Items Sold: Home goods, toys, electronics, furniture, gifts, health and beauty
  • Download a Ginny’s online catalog
  • Credit Application Process: Short application when customers choose Ginny’s Choose & Charge as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: No return window disclosed
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about Ginny’s credit option.
  • Visit Ginny’s website here

16. Midnight Velvet

  • Types of Items Sold: Clothing, shoes, jewelry, accessories, gifts, beauty, fitness, home goods
  • Download a Midnight Velvet online catalog.
  • Credit Application Process: Short application when customers choose Midnight Velvet Credit as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 30 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Midnight Velvet credit option.
  • Visit the Midnight Velvet website.

17. Montgomery Ward

  • Types of Items Sold: Bed and bath, kitchen, furniture, home, electronics, health and beauty, gifts, toys, jewelry, and apparel for men, women, and kids
  • Request a Montgomery Ward catalog.
  • Credit Application Process: Applications are filled out online at the same time as ordering. All applications are subject to approval.
  • Is a Credit Check Done?: Yes
  • Standard APR: 5.75% – 23.99%
  • Penalties or Fees: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state).
  • Return Policy: Any unused item may be returned in its original packaging within 60 days of receipt for a full refund of the purchase price (excluding shipping and processing charges). If any product is defective or damaged, customers must notify the company within 7 business days of receipt.
  • Accepted Payment Types: Customers may pay online or by phone with a major credit card, debit card, or checking account (or by check if paying by mail).
  • Read more about the Montgomery Ward credit option.
  • Visit the Montgomery Ward website.

18. RC Hobby Pro

  • Types of Items Sold: RC cars, boats, drones, and related parts
  • View the RC Hobby Pro online catalog.
  • Credit Application Process: Applications are filled out online at the same time as ordering and checkout. Orders and credit applications are usually approved within 24 hours. All applications are subject to approval.
  • Is a Credit Check Done?: Yes
  • Standard APR: None, but there is a fee for carrying a balance month to month ($5 for every $500 of carried balance).
  • Penalties or Fees: The charge for a late fee is $25 for the first late payment and $35 each additional time.
  • Return Policy: RC Hobby Pro will accept returns within 30 days of purchase of new and unused items. Items being returned must be in original packaging and condition. All returns will be subject to a 15% restocking fee.
  • Accepted Payment Types: Payments can be made with automatic or manual debits through a checking account (routing number required).
  • Read more about the RC Hobby Pro credit option.
  • Visit the RC Hobby Pro website.

19. Seventh Avenue

  • Types of Items Sold: Home goods, toys, electronics, gifts, furniture, health and beauty
  • Download a Seventh Avenue online catalog.
  • Credit Application Process: Short application when customers choose Seventh Avenue Credit as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • Return Policy: No return window disclosed
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Seventh Avenue credit option.
  • Visit the Seventh Avenue website.

20. Stoneberry

  • Types of Items Sold: Home goods, toys, electronics, jewelry, sports, lawn and garden
  • Download a Stoneberry online catalog.
  • Credit Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Is a Credit Check Done?: Yes
  • Standard APR: From 12% to 23.99%, depending upon state of residence and balance
  • Penalties or Fees: No annual fee or over-limit fees; minimum interest from $0.50 to $1.00; late payment fee up to $15.00
  • Return Policy: Items should be returned within 30 days
  • Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
  • Read more about the Stoneberry credit option.
  • Visit the Stoneberry website.

Instant Credit Catalogs: Conclusion

We hope you’ve found helpful this list of instant credit catalogs/choose and charge catalogs. As you can see, there are plenty of options shopping by catalog, either in print or online. All of the companies in this article provide instant credit, so you can buy now and pay later. Whether you’re looking for a great meat and cheese platter, some new clothes and shoes, or just want to find the perfect holiday gift, these 18 “buy now, pay later” catalogs have something for everyone.