23 Online Catalogs with Instant Credit: Boscov’s? Pottery Barn? Wayfair?

Shopping online is already convenient — and it’s even easier when you can get instant credit so that you can buy now, but pay later. 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 instant credit catalogs — Boscov’s, Century 21, Figi’s, Ballard Designs, and many more. You can get instant online credit to buy clothes, shoes, home goods, and even food! Continue on to learn more about how to get instant credit when you shop from your favorite online catalogs.

In This Article

Online Catalogs with Instant Credit

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 check financing.

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. While we’ve listed many options here, we do not necessarily recommend these companies; some, including K. Jordan and Mason Easy-Pay, are rated “F” by the Better Business Bureau (BBB) and have low customer ratings. Others, such as Boscov’s (which has an A+ rating at the time of writing), are accredited by the BBB but have middling customer ratings. Researching the company will give you an idea of some of the problems customers have encountered in the past, but note that consumer reports are usually subjective and sometimes exaggerated.

And now, the list of instant credit catalogs.

Clothing and Shoes Catalogs

Boscov’s

Century 21

K. Jordan

  • What K. Jordan sells: Women’s clothes, shoes, and accessories
  • Instant credit program: K. Jordan Credit
  • Credit level required: Fair to excellent
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Down payment required: None
  • How to apply: Shop online at K. Jordan and choose “K. Jordan Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: K. Jordan Credit FAQs
  • Start shopping with K. Jordan’s online catalog

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
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • How to apply: Shop online at Mason Easy-Pay and choose “Mason Easy-Pay Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: Mason Easy-Pay Credit FAQs
  • Start shopping with Mason Easy-Pay’s online catalog

Masseys

  • What Masseys sells: Men’s, women’s, and children’s clothing, shoes, and accessories
  • Instant credit program: Masseys Credit
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • How to apply: Shop online at Masseys and choose “Masseys Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: Masseys Credit Terms & Conditions
  • Start shopping with Masseys’ online catalog

Monroe & Main

  • What Monroe & Main sells: Men’s and women’s clothing, shoes, jewelry, and accessories
  • Instant credit program: Monroe & Main Credit
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • 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, although approval may take up to 24 hours.
  • Source: Monroe & Main Credit page
  • Start shopping with Monroe & Main’s online catalog

Food Catalogs

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
  • Credit level required: Fair to excellent
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Down payment required: None
  • 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.
  • Source: Figi’s Credit Details page
  • Start shopping with Figi’s online catalog

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
  • Credit level required: Fair to excellent
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Down payment required: None
  • How to apply: Shop online at The Swiss Colony and choose “Swiss Colony Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: Swiss Colony Credit page
  • Start shopping with The Swiss Colony’s online catalog

The Tender Filet

  • What The Tender Filet sells: Meats, side dishes, desserts, and kitchen items
  • Instant credit program: The Tender Filet Credit Plan
  • Credit level required: Fair to excellent
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Down payment required: None
  • How to apply: Shop online at The Tender Filet and choose “Tender Filet Credit Plan” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: The Tender Filet Credit Plan page
  • Start shopping with The Tender Filet’s online catalog

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
  • Credit level required: Fair to excellent
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Down payment required: None
  • How to apply: Shop online at Wisconsin Cheeseman and choose “Wisconsin Cheeseman Credit Plan” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: The Wisconsin Cheeseman Credit Plan page
  • Start shopping with Wisconsin Cheeseman’s online catalog

Williams-Sonoma

  • What Williams-Sonoma sells: Food items/gifts including meats and cheeses, entrees and sides, breakfast, dessert, cooking oils, spices, beverages, pastas and baking ingredients; cookware and bakeware; kitchen appliances; home goods and more
  • Instant credit program: Williams Sonoma Credit Card
  • 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 Williams-Sonoma Credit Card Application
  • Source: Williams Sonoma Credit Card page
  • Start shopping with Williams-Sonoma’s online catalog

Home Goods Catalogs

Ballard Designs

BrylaneHome

Country Door

  • What Country Door sells: Home goods, furniture, rugs, draperies, kitchen, dining
  • Instant credit program: Country Door Credit
  • Credit level required: Fair to excellent
  • Deferred payments? Yes; first payment due 30 days from purchase
  • Down payment required: None
  • How to apply: Shop online at Country Door and choose “Country Door Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: Country Door Credit page
  • Start shopping with Country Door’s online catalog

Crate & Barrel

Pottery Barn

Suggested: Pottery Barn Furniture Quality Assessment

Wayfair

  • What Wayfair sells: Home goods, furniture
  • Instant credit program: Buy Now, Pay Later with Affirm
  • Credit level required: All credit levels considered; most customers approved
  • Deferred payments? Varies by credit level
  • 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.
  • How to apply: Shop online at Wayfair and choose the “Buy Now, Pay Later with Affirm” option at checkout. Credit decisions are made instantly.
  • Source: Wayfair Buy Now, Pay Later with Affirm page
  • Start shopping with Wayfair’s online catalog
  • Wayfair was bought by Walmart somewhat recently so many have wondered if you can return Wayfair items to Walmart. Here’s our article on that.

Multi-Department Catalogs

Fingerhut

  • What Fingerhut sells: Home goods, furniture, toys, electronics, clothing, jewelry, gifts, and more
  • Instant credit program: Fingerhut Credit Line, Fingerhut FreshStart Loan
  • Credit level required: Fair to excellent for credit line; bad credit/no credit typically approved for FreshStart loan
  • Deferred payments? No
  • Down payment required: First monthly payment due at time of purchase for credit line; minimum $30 down payment for FreshStart loan
  • How to apply: Fill out the online WebBank/Fingerhut application
  • Source: Fingerhut Terms and Conditions
  • Start shopping with Fingerhut’s online catalog

Gettington

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
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • 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, although approval may take up to 24 hours.
  • Source: Midnight Velvet Credit page
  • Start shopping with Midnight Velvet’s online catalog

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
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • How to apply: Shop online at Montgomery Ward and choose “Wards Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: Wards Credit page and customer service representative
  • Start shopping with Montgomery Ward’s online catalog

Seventh Avenue

  • What Seventh Avenue sells: Home goods, furniture, electronics, toys and gifts, health and beauty
  • Instant credit program: Seventh Avenue Credit
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • 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.
  • Source: Seventh Avenue Buy Now, Pay Later page
  • Start shopping with Seventh Avenue’s online catalog

Stoneberry

  • What Stoneberry sells: Home goods, electronics, apparel, jewelry, toys, sports items, lawn and garden
  • Instant credit program: Stoneberry Credit
  • Credit level required: Fair to excellent
  • Deferred payments? Varies by credit level
  • 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.
  • How to apply: Shop online at Stoneberry and choose “Stoneberry Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.
  • Source: Stoneberry Credit FAQs
  • Start shopping with Stoneberry’s online catalog

Want even more choices? Check out our other articles, Buy Now, Pay Later Clothes: 10+ Catalogs, Stores, Buy Now Pay Later Sites and Catalogs, and Buy Now Pay Later Kids Catalogs and Stores and Choose and Charge Catalogs to Consider.

In Summary

Instant credit approval catalogs are out there.

Online shopping catalogs with instant credit let you order a wide variety of items, from clothing and shoes to food, home goods, electronics, toys and games, and much more — allowing you to enjoy your purchases right away and pay for them over time. Whether you have good credit, poor credit, or no credit, it’s likely there are online catalogs you can shop from that will extend you instant credit approval. From Ballard’s Designs to Wayfair, there are plenty of stores to choose from. Be sure to research the catalog or store you’re interested in before applying for credit, so you know what to expect from its customer service and policies. Also, keep safe credit use practices in mind, such as paying off purchases quickly to avoid higher interest charges.

Suggested next article: Here’s What Happens If You Put the Wrong Billing Address on an Online Order

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