Even with the growth of online shopping, catalog shopping has seen a resurgence in popularity. 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 you some breathing room and grant you some extra time to pay off the full balance of your purchase. In this article, we’ll give you a list of choose and charge catalogs you might want to consult to start your shopping.
Things to Know Before Using Instant Credit
Instant credit approval is quick and convenient, but there are a few potential drawbacks to keep in mind before using a choose and charge option. Most choose and charge catalogs charge interest on purchases, which will make the total cost of your purchase higher than if you had purchased the item in full. The APRs for credit lines like these can often be quite high, particularly for instant credit borrowers with little or poor credit history.
Most financial professionals recommend paying off your purchases as quickly as possible, not only for savings on interest but also to avoid late fees. Late payment penalties may cost anywhere from about $15 to $40. If you miss a payment entirely rather than making a late payment, know that the missed payment may appear on your credit report. It can also lead to steep fees, or your account being sent to collections.
None of this is to say that you should avoid using instant credit entirely. As noted above, it’s a fast and easy way to buy items you want or need. If you know you’ll be able to make on-time payments and pay off your purchases within a reasonable amount of time, it may help you build your credit.
Be aware that for all of the options listed below, a credit check is required for approval. Some catalogs will do a hard pull of your credit, which can take a few points off of your credit score, or can become a larger problem if you’re applying for several catalogs and credit cards around the same time.
Instant Credit Catalogs
Clothing & Shoes
ASHRO
- Items sold: Men and women’s clothing, shoes, wigs, accessories
- Credit check required? Yes. You must fill out a short application when choosing ASHRO Credit as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 30 days
- Source: ASHRO credit options
- See the ASHRO online catalog
K. Jordan
- Items sold: Women’s clothing, shoes, and accessories
- Credit check required? Yes
- Standard APR: 12 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 90 days
- Source: K. Jordan customer service
- See the K. Jordan online catalog
Mason Easy-Pay
- Items sold: Men, women’s, and children’s clothing, shoes, accessories
- Credit check required? Yes
- Standard APR: 12 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 120 days
- Source: Mason Easy-Pay customer service
- See the Mason Easy-Pay online catalog
Masseys
- Items sold: Men, women’s, and children’s clothing, shoes, accessories
- Credit check required? Yes
- Standard APR: 12 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 120 days
- Source: Masseys customer service
- See the Masseys online catalog
Monroe and Main
- Items sold: Men’s and women’s clothing, shoes, jewelry, accessories
- Credit check required? Yes. You must fill out a short application when choosing Monroe and Main Credit as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 60 days
- Source: Monroe and Main customer service
- See the Monroe and Main online catalog
Food
Figis
- Items sold: Food gifts, including meats, cheese, cakes, candy, nuts, snacks, and sugar-free items
- Credit check required? Yes
- Standard APR: None; customers make three deferred monthly payments with no interest due
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 90 days
- Source: Figis credit plan
- See the Figis online catalog.
The Swiss Colony
- Items sold: Food gifts, including meats, cakes, candy, nuts, snacks, and gluten-free items
- Credit check required? Yes. You must fill out a two-question application when choosing Swiss Colony Credit as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Not specified
- Source: The Swiss Colony customer service
- Download The Swiss Colony online catalog
The Tender Filet
- Items sold: Meats, sides, desserts, kitchen essentials
- Credit check required? Yes
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Not specified
- Source: The Tender Filet customer service
- See The Tender Filet online catalog
Wisconsin Cheeseman
- Items sold: Food gifts, including cheese, meats, desserts, nuts, and snacks
- Credit check required? Yes
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Not specified
- Source: Wisconsin Cheeseman customer service
- See the Wisconsin Cheeseman online catalog
Home Goods
Ballard Designs
- Items sold: Home goods, furniture, rugs and drapery, home decor
- Credit check required? Yes
- Standard APR: 29.24%
- Fees: No annual fee or over-limit fees; late payment fee up to $39.00
- Return policy: Items must be returned within 90 days
- Source: Ballard Designs Credit Card
- Request a Ballard Designs catalog
BrylaneHome
- Items sold: Home goods, furniture, rugs, windows, kitchen, and dining
- Credit check required? Yes. You must fill out a credit application form on the website when applying for a store credit card.
- Standard APR: 29.24%
- Fees: No annual fee or over-limit fees; late payment fee up to $39.00
- Return policy: Items must be returned within 90 days
- Source: BrylaneHome credit card
- Request a BrylaneHome catalog
Country Door
- Items sold: Home goods, furniture, rugs, windows, kitchen, and dining
- Credit check required? Yes. You must fill out a short application when choosing Country Door Credit as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Upholstery Furniture Collection items must be returned within 30 days; no time limit specified for other items.
- Source: Country Door customer service
- See the Country Door online catalog
Other Items
Fingerhut
- Items sold: Home goods, toys, electronics, clothing, jewelry, sports, gift, and crafts
- Credit check required? Yes. You must fill out a credit application form (paid partner link).
- Standard APR: 29.99%
- Fees: No annual fee or over-limit fees; late payment fee up to $38.00
- Return policy: Items must be returned within 30 days
- Source: Fingerhut credit application
- Download the Fingerhut mobile app or visit the Fingerhut website
Very interested in Fingerhut and want to see even more stores very, very similar to them? Here’s our article: Websites like Fingerhut: 12 Stores like Fingerhut (Easy Buy Now Pay Later)
Gettington
- Items sold: Home goods, toys, electronics, tools, automotive, clothing, jewelry
- Credit check required? Yes. You must fill out a credit application form.
- Standard APR: 29.99%
- Fees: No annual fee or over-limit fees; late payment fee up to $38.00
- Return policy: Items must be returned within 30 days
- Source: Gettington credit application
- Download the Gettington mobile app or visit the Gettington website
Ginny’s
- Items sold: Home goods, toys, electronics, furniture, gifts, health, and beauty
- Credit check required? Yes. You must fill out a short application when choosing Ginny’s Choose & Charge as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Not specified
- Source: Ginny’s customer service
- Download Ginny’s online catalog or visit Ginny’s website
Midnight Velvet
- Items sold: Clothing, shoes, jewelry, accessories, gifts, beauty, fitness, home goods
- Credit check required? Yes. You must fill out a short application when choosing Midnight Velvet Credit as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items must be returned within 30 days.
- Source: Midnight Velvet customer service
- See the Midnight Velvet online catalog
Montgomery Ward
- Items sold: Bed and bath, kitchen, furniture, home, electronics, health and beauty, gifts, toys, jewelry, and apparel for men, women, and kids
- Credit check required? Yes. You must fill out an application online when ordering.
- Standard APR: 5.75 to 23.99%
- 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, you must notify the company within seven business days of receipt.
- Source: Montgomery Ward customer service
- Request a Montgomery Ward catalog
Seventh Avenue
- Items sold: Home goods, toys, electronics, gifts, furniture, health, and beauty
- Credit check required? Yes. You must fill out a short application when choosing Seventh Avenue Credit as your payment option.
- Standard APR: 5.75 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Not specified
- Accepted Payment Types: Debit card, credit card, check, money order. Payments can be made online, by mail, or by phone.
- Source: Seventh Avenue customer service
- See the Seventh Avenue online catalog
Stoneberry
- Items sold: Home goods, toys, electronics, jewelry, sports, lawn, and garden
- Credit check required? Yes
- Standard APR: 12 to 23.99%, depending upon state of residence and balance
- Fees: No annual fee or over-limit fees; late payment fee up to $15.00
- Return policy: Items should be returned within 30 days
- Source: Stoneberry customer service
- See the Stoneberry online catalog
In Summary
As you can see, there are plenty of choose and charge catalogs to choose from, both 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 20 “buy now, pay later” catalogs have something for everyone.
