21 Online Catalogs with Instant Credit: Clothing, Shoes, Home, etc

There are many stores with online catalogs that offer instant credit, where you can apply for and receive a credit decision in seconds.

We’ve compiled the list of these catalogs — Boscov’s, Figi’s, Ballard Designs, and many more.

What to Know Before Ordering

The following online catalogs offer instant credit that can be used immediately for online purchases. Some of these catalogs require a certain credit level for approval, but there are also some with no credit checks.

Remember that instant credit does not mean that everyone is approved. Generally, you’ll need to meet the requirements in order to be approved for instant credit, whether that’s a minimum credit score, minimum income, or some other type of requirement.

Be aware that while you may be approved for instant credit, there are risks to opening a credit card and making purchases on credit. Credit cards and financing often charge interest (unless there is a no-interest promotional period), meaning you’ll pay a higher total cost for the item than you would when buying without credit. Paying off your purchases quickly will help you avoid high interest accrual. Keep in mind that missed payments can also lead to late fees or damage your credit score.

Additionally, you may want to research the catalog you’re considering applying for credit with before submitting your application.

The List

While we’ve listed many options here, each catalog varies in terms of its selection, customer service, product quality, etc. We’ve ordered each category starting with the best overall options.

Clothing and Shoe Catalogs

Boscov’s

• What Boscov’s sells: Men’s, women’s, and children’s clothing, shoes, and accessories; jewelry and watches; beauty and bed & bath; furniture and home decor
• Instant credit program: Boscov’s Credit Card^[1]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card
• Deferred payments? Payments due at least 25 days after each billing period^[2]
• Down payment required: None^[2]
• How to apply: Fill out the Boscov’s credit card application online, or apply in-store at any Boscov’s location.
• Start shopping

Masseys

• What Masseys sells: Men’s, women’s, and children’s clothing, shoes, and accessories
• Instant credit program: Masseys Credit^[3]
• Credit level required: Varies by purchase amount^[4]
• Deferred payments? First payment is due 30 days after purchase^[4]
• Down payment required: If you have lower credit, you may be required to make a down payment.^[5]
• How to apply: Fill out the Masseys Credit online application
• Start shopping

Monroe & Main

• What Monroe & Main sells: Men’s and women’s clothing, shoes, jewelry, and accessories
• Instant credit program: Monroe & Main Credit^[6]
• Credit level required: May work with low credit scores^[6]
• Deferred payments? Varies by credit level^[7]
• Down payment required: Those approved with lower credit scores may be required to make a small down payment. Otherwise, the first payment is due 30 days from the day you make the purchase.^[7]
• How to apply: Shop online at Monroe & Main and choose “Monroe & Main Credit” at checkout to fill out the short application. Most decisions are instant.^[6]
• Start shopping

K. Jordan

• What K. Jordan sells: Women’s clothes, shoes, and accessories
• Instant credit program: K. Jordan Credit^[8]
• Credit level required: Varies by purchase amount^[4]
• Deferred payments? Yes; first payment due 30 days from purchase^[9][4]
• Down payment required: If you have lower credit, you may be required to make a down payment.^[10]
• How to apply: Fill out the K. Jordan online application
• Start shopping

Mason Easy-Pay

• What Mason Easy-Pay sells: Men’s, women’s, and children’s clothing, shoes, and accessories
• Instant credit program: Mason Easy-Pay Credit^[11]
• Credit level required: Varies by purchase amount^[4]
• Deferred payments? First payment due 30 days after purchase^[4]
• Down payment required:Varies based on credit score and history^[12]
• How to apply: Fill out the Mason Easy-Pay online application
• Start shopping

Home Goods Catalogs

Wayfair

• What Wayfair sells: Home goods, furniture
• Instant credit program: Buy Now, Pay Later with Affirm^[13]
• Credit level required: No set requirement; multiple factors are considered for approval.^[14]
• Deferred payments? Varies by customer^[15]
• Down payment required: May be required; if not, the first payment is due a month from date of purchase.^[15]
• How to apply: Shop online at Wayfair and choose the “Buy Now, Pay Later with Affirm” option at checkout. Credit decisions are made instantly.^[13]
• Start shopping

Country Door

• What Country Door sells: Home goods, furniture, rugs, draperies, kitchen, dining
• Instant credit program: Country Door Credit^[16]
• Credit level required: Works with customers who have no credit history^[16]
• Deferred payments? Yes; first payment due 30 days from purchase^[16]
• Down payment required: If you have lower credit, you may be required to make a down payment.^[16]
• How to apply: Shop online at Country Door and choose “Open a New Account” at checkout to fill out the short application.^[16]
• Start shopping

Crate & Barrel

• What Crate & Barrel sells: Home goods, furniture, home décor
• Instant credit program: Crate & Barrel Credit Card^[17]
• Credit level required: No specific requirement^[18]
• Deferred payments? None^[19]
• Down payment required: None^[19]
• How to apply: Fill out the online application^[17]
• Start shopping

Pottery Barn

• What Pottery Barn sells: Home goods, furniture, home décor, toys, and gifts
• Instant credit program: Pottery Barn Credit Card^[20]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card
• Deferred payments? Yes; first payment due 30 days after purchase date
• Down payment required: None
• How to apply: Fill out the online application^[20]
• Start shopping

Ballard Designs

• What Ballard Designs sells: Home goods, furniture, home décor, rugs, and draperies
• Instant credit program: Ballard Designs Credit Card^[21]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[21]
• Deferred payments? Varies by account^[22]
• Down payment required: None^[23]
• How to apply: Create a free Ballard Designs account and begin the online application^[21]
• Start shopping

BrylaneHome

• What BrylaneHome sells: Home goods, furniture, rugs, draperies, kitchen, and dining
• Instant credit program: BrylaneHome Platinum Credit Card^[24]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[24]
• Deferred payments? Payments due at least 25 days after the close of each billing cycle^[25]
• Down payment required: None^[26]
• How to apply: Fill out the online credit account application^[24]
• Start shopping

Multi-Department Catalogs

Fingerhut

• What Fingerhut sells: Home goods, furniture, toys, electronics, clothing, jewelry, gifts, and more
• Instant credit program: Fingerhut Fetti Credit Line, Fingerhut FreshStart loan^[27][28]
• Credit level required: No set requirement; multiple factors are considered for approval.^[29]
• Deferred payments? Yes^[27][28]
• Down payment required: May be required; $30 down payment due for Fingerhut FreshStart^[28][30]
• How to apply: Fill out the online application^[27][28]
• Start shopping

Stoneberry

• What Stoneberry sells: Home goods, electronics, apparel, jewelry, toys, sports items, lawn, and garden
• Instant credit program: Stoneberry Credit^[31]
• Credit level required: Varies by purchase amount^[4]
• Deferred payments? First payment is due 30 days after purchase^[4]
• Down payment required:If you have lower credit, you may be required to make a down payment.^[32]
• How to apply: Fill out the Stoneberry Credit online application
• Start shopping

Midnight Velvet

• What Midnight Velvet sells: Men’s and women’s clothing, shoes, and accessories; jewelry, beauty items; fitness items; home goods
• Instant credit program: Midnight Velvet Credit^[33]
• Credit level required: Works with customers who have no credit history^[34]
• Deferred payments? Varies by credit level^[34][33]
• Down payment required: Those approved with lower credit scores may be required to make a small down payment. Otherwise, the first payment is due 30 days from the day you make the purchase.^[34][33]
• How to apply: Shop online at Midnight Velvet and choose “Midnight Velvet Credit” at checkout to fill out the short application. Most decisions are instant.^[33]
• Start shopping

Montgomery Ward

• What Montgomery Ward sells: Home goods, furniture, electronics, health and beauty, toys and gifts, jewelry, bed and bath, clothing for men, women, and children, and more
• Instant credit program: Wards Credit^[35]
• Credit level required: No specific requirement;^[36] states that “Wards says ‘Yes’ when others say ‘No!'”^[35]
• Deferred payments? Varies according to creditworthiness^[37]
• Down payment required: If you have lower credit, you may be required to make a down payment. For other accounts, the first payment is due 30 days from date of purchase.^[37]
• How to apply: Shop online at Montgomery Ward and choose “Wards Credit” at checkout to fill out the short application. Most decisions are instant.^[35]
• Start shopping

Seventh Avenue

• What Seventh Avenue sells: Home goods, furniture, electronics, toys and gifts, health and beauty
• Instant credit program: Seventh Avenue Credit^[38]
• Credit level required: Approval is based on credit history, not credit score^[39][40]
• Deferred payments? Varies by credit level^[40]
• Down payment required: Those approved with lower credit scores may be required to make a down payment. Otherwise, the first payment is due 30 days from the day you make the purchase.^[40]
• How to apply: Shop online at Seventh Avenue and choose “Seventh Avenue Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[38]
• Start shopping

Food Catalogs

Williams-Sonoma

• What Williams-Sonoma sells: Food items/gifts including meats and cheeses, entrees and sides, breakfast, dessert, cooking oils, spices, beverages, pasta, and baking ingredients; cookware and bakeware; kitchen appliances; home goods and more
• Instant credit program: Williams Sonoma Credit Card^[41]
• Credit level required: No specified requirement^[42]
• Deferred payments? Billing cycle starts on the date of approval; payments are due at the end of each billing cycle.^[42]
• Down payment required: None^[42]
• How to apply: Fill out the online credit application.^[41]
• Start shopping

The Tender Filet

• What The Tender Filet sells: Meats, side dishes, desserts, and kitchen items
• Instant credit program: The Tender Filet Credit Plan^[43]
• Credit level required: Works with customers who have no credit history^[44]
• Deferred payments? Yes; first payment due 30 days from purchase^[44]
• Down payment required: Those approved with lower credit scores may be required to make a down payment. ^[44]
• How to apply: Shop online at The Tender Filet and choose “Open a New Account” at checkout to fill out the short application.^[44]
• Start shopping

Figi’s

• What Figi’s sells: Gift food and food packages, including meats and cheeses, bakery food, candy, nuts, and snacks
• Instant credit program: Figi’s Credit^[45]
• Credit level required: No specific requirement^[46]
• Deferred payments? Yes; available to some customers^[47]
• Down payment required: Varies by customer^[46]
• How to apply: Shop online at Figi’s and choose “Figi’s Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[45]
• Start shopping

The Swiss Colony

• What The Swiss Colony sells: Gift food and food packages, including meats and cheeses, bakery food, candy, nuts, and snacks
• Instant credit program: Swiss Colony Credit^[48]
• Credit level required: Works with customers who have no credit history^[49]
• Deferred payments? Yes; first payment due 30 days from purchase^[49]
• Down payment required: Those approved with lower credit scores may be required to make a down payment.^[49]
• How to apply: Shop online at The Swiss Colony and choose “Open a New Account” at checkout to fill out the short application.^[49]
• Start shopping

Wisconsin Cheeseman

• What Wisconsin Cheeseman sells: Gift food and food packages, including meats and cheeses, bakery food, candy, nuts, and snacks
• Instant credit program: The Wisconsin Cheeseman Credit Plan^[50]
• Credit level required: Works with customers who have no credit history^[51]
• Deferred payments? Yes; first payment due 30 days from purchase^[51]
• Down payment required: Those approved with lower credit scores may be required to make a down payment.^[51]
• How to apply: Shop online at Wisconsin Cheeseman and choose “Create a Wisconsin Cheeseman Credit Account” at checkout to fill out the short application. Approval may take up to 24 hours.^[50]
• Start shopping

For even more catalog choices, including those that do not offer instant credit approval, see our post about buy now, pay later kids catalogs.