Compelling sites like Fingerhut do exist. These websites offer a shopping experience very similar to Fingerhut but include some subtle difference such as items sold, fees, APR, and more. The goal of this article is to inform you of the companies like Fingerhut so you know which one(s) is right for you. And the best part? They make it easy to be approved for purchases. But are these stores/sites/catalogs better than Fingerhut? That’s for you to decide.

Included In This Article:

  • What Is Fingerhut?

  • A list of websites like Fingerhut, including:

    • Types of items sold

    • Fees

    • APR

    • Available payment plans and more important details

What Is Fingerhut?

Fingerhut is a shopping website that helps its customers buy big ticket items using affordable financing options. Fingerhut works with consumers who have had credit challenges by offering instant credit for purchases and providing the option of paying in convenient monthly installments. Fingerhut sells brand name products and boasts over 700,000 available items in the home, clothing, health and beauty, sports and fitness, home improvement, toys, electronics, and automotive categories.

Customers can apply for Fingerhut credit online and receive instant approval. Once approved, customers can immediately use credit for purchases. There are no annual fees, membership fees, or over-limit fees associated with a Fingerhut account; however, interest can accrue, and late fees may be imposed for bills that are not paid on time. Consumers can read more about Fingerhut credit directly on the company’s website.

If you’re interested in a shopping experience like the one provided by Fingerhut, but want to explore companies that are similar, check out the websites below. We have compiled an extensive list of catalog companies like Fingerhut which provide the same opportunities for purchasing on credit and paying over time. Here are the online stores like Fingerhut offering the buy now pay later feature.

Websites Like Fingerhut

1. Seventh Avenue

  • Items Sold: Furniture, jewelry, beauty and health items, gifts and toys, men and women’s apparel, cookware, electronics, garden tools
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online while ordering. Orders and credits are usually approved within 24 hours. All applications are subject to approval.
  • Payment Plan: The lowest plan starts with a purchase of up to $200 and a minimum monthly payment of $20. The maximum plan allows for purchases up to $2,400 with a minimum monthly payment of $80.
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Seventh Avenue does not disclose a specific minimum credit score
  • Learn more about Seventh Avenue credit.
  • Start shopping.

2. The Swiss Colony

  • Items Sold: Food gifts, including sweets, meats, sugar, and gluten-free items
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online at the same time as ordering and checkout. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $75 and a minimum monthly payment of $10. The maximum plan allows for purchases up to $1,000 with a minimum monthly payment of $35
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. The Swiss Colony does not disclose a specific minimum credit score
  • Learn more about The Swiss Colony credit.
  • Start shopping.

3. Monroe & Main

  • Items Sold: Clothing, shoes, jewelry, handbags, accessories, and gifts
  • Annual Fees: No annual fees for credit membership.
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online at the same time as ordering and checkout. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $200 and a minimum monthly payment of $20. The maximum plan allows for purchases up to $1,800 with a minimum monthly payment of $60
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Monroe & Main does not disclose a specific minimum credit score
  • Learn more about Monroe & Main credit.
  • Start shopping.

4. ASHRO

  • Items Sold: Clothing, shoes, wigs, and accessories
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online at the same time as ordering and checkout. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $200 and a minimum monthly payment of $20. The maximum plan allows for purchases up to $1,800 with a minimum monthly payment of $60
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent on creditworthiness. ASHRO does not disclose a specific minimum credit score
  • Learn more about ASHRO credit.
  • Start shopping.

5. Wisconsin Cheeseman

  • Items Sold: Cheese
  • Annual Fees: No annual fees for credit membership.
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Online account management
  • Application Process: Applications are filled out online at the same time as ordering and checkout. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $75 and a minimum monthly payment of $10. The maximum plan allows for purchases up to $1,000 with a minimum monthly payment of $35
  • Credit Check Required? Yes, a consumer report is obtained and approval is contingent on creditworthiness. Wisconsin Cheeseman does not disclose a specific minimum credit score
  • Learn more about Wisconsin Cheeseman credit.
  • Start shopping.

6. RC Hobby Pro

  • Items Sold: RC cars, boats, drones, and related parts
  • Annual Fees: No annual fee.
  • Late Fees and Other Costs: The charge for a late fee is $25 for the first late payment and $35 each additional time
  • APR: None, but there is a fee for carrying a balance month to month ($5 for every $500 of carried balance).
  • Membership Perks: Online account management
  • Application Process: Applications are filled out online at the same time as ordering and checkout. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: Any order under $1,000 requires a minimum payment of $25 per month. Any order $1,000 – $3,000 requires a minimum payment of $60 per month
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. RC Hobby Pro does not disclose a specific minimum credit score
  • Learn more about RC Hobby Pro credit.
  • Start shopping.

7. Montgomery Ward

  • Items Sold: Bed and bath, kitchen, furniture, home, electronics, health and beauty, gifts, toys, jewelry, and apparel for men, women, and kids
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online at the same time as ordering. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $100 and a minimum monthly payment of $20. The maximum plan allows for purchases up to $1,800 with a minimum monthly payment of $60
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Montgomery Ward does not disclose a specific minimum credit score
  • Learn more about Montgomery Ward credit.
  • Start shopping.

8. Ginny’s

  • Items Sold: Kitchen and dining, furniture, bed and bath, home, electronics, health and beauty, gifts, and toys
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online at the same time as ordering. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $100 and a minimum monthly payment of $10. The maximum plan allows for purchases up to $1,200 with a minimum monthly payment of $40
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent on creditworthiness. Ginny’s does not disclose a specific minimum credit score
  • Learn more about Ginny’s credit.
  • Start shopping.

9. Country Door

  • Items Sold: Bed and bath, kitchen and dining, home decor, rugs and windows, furniture, seasonal items, and gifts
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: Up to $15 for late payment fees (varies by state). Up to $25 for returned payments (varies by state)
  • APR: 5.75% – 23.99%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Applications are filled out online at the same time as ordering. Orders and credits are usually approved within 24 hours. All applications are subject to approval
  • Payment Plan: The lowest plan starts with a purchase of up to $200 and a minimum monthly payment of $20. The maximum plan allows for purchases up to $1,800 with a minimum monthly payment of $60
  • Credit Check Required? Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Country Door does not disclose a specific minimum credit score
  • Learn more about Country Door credit.
  • Start shopping.

10. Gettington

  • Items Sold: Home goods, toys, electronics, tools, automotive, clothing, jewelry
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: No over-limit fees; minimum interest of $0.50; late payment fee up to $38.00
  • APR: 25.15%
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: There is a credit application form on the website.
  • Payment Plan: Minimum payments will be equal to 5.5% of the balance on the account or $20.00, whichever is greater.
  • Credit Check Required?: Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Gettington does not disclose a specific minimum credit score
  • Learn more about Gettington credit.
  • Start shopping.

11. Midnight Velvet

  • Items Sold: Clothing, shoes, jewelry, accessories, gifts, beauty, fitness, home goods
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: No over-limit fees; minimum interest from $0.00 to $1.00; late payment fee up to $15.00
  • APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Membership Perks: Credit line increases possible, online account management
  • Application Process: Customers are directed to a short application after choosing Midnight Velvet Credit as their payment option.
  • Payment Plan: For balances up to $200.00, the minimum monthly payment will be $20.00. For balances up to $3,300, the minimum monthly payment will be $110.00.
  • Credit Check Required?: Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Midnight Velvet does not disclose a specific minimum credit score
  • Learn more about Midnight Velvet credit.
  • Start shopping.

12. Masseys

  • Items Sold: Men, women’s, and children’s clothing, shoes, accessories
  • Annual Fees: No annual fees for credit membership
  • Late Fees and Other Costs: No over-limit fees; minimum interest from $0.50 to $1.00; late payment fee up to $15.00
  • APR: From 5.75% to 23.99%, depending upon state of residence and balance
  • Membership Perks: Credit line increases up to twice per year, online account management
  • Application Process: No formal application process. Customers choose “credit” as their payment option.
  • Payment Plan: For balances up to $200.00, the minimum monthly payment will be $20.00. For balances over $500.00, the minimum monthly payment will be 10% of the balance. Other Terms and Conditions apply.
  • Credit Check Required?: Yes, a consumer report is obtained, and approval is contingent upon creditworthiness. Masseys does not disclose a specific minimum credit score
  • Learn more about Masseys credit.
  • Start shopping.

 Final Thoughts on Places like Fingerhut

The option to “buy now, pay later” can alleviate a lot of stress for shoppers who wish to purchase an item but do not have the full amount on hand. The websites above can make larger purchases more affordable by allowing customers to pay in small increments over the course of several months.

Be sure that you fully understand the terms and conditions before using any type credit, and have a plan in mind for paying the money owed promptly. We hope that one of the companies on our list of websites like Fingerhut provides exactly what you need for your “buy now, pay later” shopping endeavors.