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 online catalog here
  • 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 here
  • Visit the ASHRO website here

2. K. Jordan

  • Types of Items Sold: Women’s clothing, shoes, and accessories
  • Download an online catalog here
  • 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 here
  • Visit the K. Jordan website here

3. Mason Easy-Pay

  • Types of Items Sold: Men, women’s, and children’s clothing, shoes, accessories
  • Download an online catalog here
  • 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 here
  • Visit the Mason Easy-Pay website here

4. Masseys

  • Types of Items Sold: Men, women’s, and children’s clothing, shoes, accessories
  • Download an online catalog here
  • 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 here
  • Visit the Masseys website here

5. Monroe and Main

  • Types of Items Sold: Men’s and women’s clothing, shoes, jewelry, accessories
  • Download an online catalog here
  • 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 here
  • Visit the Monroe and Main website here

Instant Credit Catalogs | Food

6. Figis

  • Types of Items Sold: Food gifts, including meats, cheese, cakes, candy, nuts, snacks, and sugar-free items
  • Download an online catalog here
  • 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 here
  • Visit the Figis website here

7. The Swiss Colony

  • Types of Items Sold: Food gifts, including meats, cakes, candy, nuts, snacks, and gluten-free items
  • Download an online catalog here
  • 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 here
  • Visit the Swiss Colony website here

8. The Tender Filet

  • Types of Items Sold: Meats, sides, desserts, kitchen essentials
  • Download an online catalog here
  • 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 here
  • Visit the Tender Filet website here

9. Wisconsin Cheeseman

  • Types of Items Sold: Food gifts, including cheese, meats, desserts, nuts, and snacks
  • Download an online catalog here
  • 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 here
  • Visit the Wisconsin Cheeseman website here

Instant Credit Catalogs | Home Goods

10. Ballard Designs

11. BrylaneHome

12. Country Door

  • Types of Items Sold: Home goods, furniture, rugs, windows, kitchen and dining
  • Download an online catalog here
  • 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 here
  • Visit the Country Door website here

Instant Credit Catalogs | Multiple Item Categories

13. Fingerhut

14. Gettington

15. Ginny’s

  • Types of Items Sold: Home goods, toys, electronics, furniture, gifts, health and beauty
  • Download an online catalog here
  • 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 the Ginny’s credit option here
  • Visit Ginny’s website here

16. Midnight Velvet

  • Types of Items Sold: Clothing, shoes, jewelry, accessories, gifts, beauty, fitness, home goods
  • Download an online catalog here
  • 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 here
  • Visit the Midnight Velvet website here

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 catalog here
  • 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 here
  • Visit the Montgomery Ward website here

18. RC Hobby Pro

  • Types of Items Sold: RC cars, boats, drones, and related parts
  • View the online catalog here
  • 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 here
  • Visit the RC Hobby Pro website here

19. Seventh Avenue

  • Types of Items Sold: Home goods, toys, electronics, gifts, furniture, health and beauty
  • Download an online catalog here
  • 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 here
  • Visit the Seventh Avenue website here

20. Stoneberry

  • Types of Items Sold: Home goods, toys, electronics, jewelry, sports, lawn and garden
  • Download an online catalog here
  • 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 here
  • Visit the Stoneberry website here

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.