William Lipovsky
Fingerhut is a “buy now, pay later” website that works with consumers who have credit challenges by offering instant credit for purchases and providing the option of paying in monthly installments.
It offers over 700,000 items in the home, clothing, health and beauty, sports, fitness, home improvement, toy, electronic, and automotive categories.
Customers can apply for Fingerhut credit online and receive instant approval. Once approved, you 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 Fingerhut may impose late fees if you don’t make your payments on time.
There are several companies similar to Fingerhut, which also offer monthly payment plans for those with poor credit or limited credit history.
Below, we list the websites like Fingerhut, including their application requirements, payment options, and what they sell.
What We Recommend
While all of the companies in our list below share similar terms and repayment plans, some are more similar to Fingerhut than others.
As the closest alternatives to Fingerhut, we recommend Montgomery Ward and Seventh Avenue, which feature a wider range of products than the other websites on our list. They each sell home goods, furniture, electronics, health and beauty items, clothing, toys, and more.
Gettington’s array of products is also similar to Fingerhut, but note that its credit program charges higher fees than Montgomery Ward or Seventh Avenue.
The List
The following list of websites like Fingerhut is in order from most similar to least similar, based on the range of products they sell.
All of these companies have similar repayment plans to Fingerhut and include the same credit program benefits, such as no annual fee, over-limit fee, or membership fee.
Montgomery Ward
- What it sells: Bed and bath, kitchen, furniture, home, electronics, health and beauty, gifts, toys, jewelry, and apparel for men, women, and kids
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply online during checkout
- Payment plans: Minimum monthly payments start at $10 (for a $100 balance) and go up to $105 (for a $3,150 balance). Higher balances will have a minimum payment of around 3.4%.
- Find out more
Seventh Avenue
- What it sells: Furniture, jewelry, beauty and health items, gifts and toys, men and women’s apparel, cookware, electronics, garden tools
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply online during checkout
- Payment plans: Minimum monthly payments generally range from $20 to $105 depending on your balance, but balances over $3,300 will have a minimum payment of 3.4%.
- Find out more
Gettington
- What it sells: Home goods, toys, electronics, tools, automotive, clothing, jewelry
- Fees:
- Late payments: $40
- Returned payments: $40
- Minimum interest: $0.50
- Non-variable APR around 30%
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Social Security number
- Birthdate
- U.S. address
- Phone number
- Annual income
- Payment plans: Minimum payments will be equal to 5.5% of the balance on the account or $20, whichever is greater.
- Find out more
Ginny’s
- What it sells: Kitchen and dining, furniture, bed and bath, home, electronics, health and beauty, gifts, and toys
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply online while ordering (after filling your cart)
- Payment plans: Minimum monthly payments range from $10 to $105 unless your balance exceeds $3,300, in which case you’ll pay about 3.4%.
- Find out more
Midnight Velvet
- What it sells: Clothing, shoes, jewelry, accessories, gifts, beauty, fitness, home goods
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply for credit during checkout
- Payment plans: Minimum payments range from $20 (for a $200 balance) to $110 (for a $3,300 balance). For balances over $3,300, the minimum monthly payment about 3.4%.
- Find out more
Country Door
- What it sells: Bed and bath, kitchen and dining, home decor, rugs and windows, furniture, seasonal items, and gifts
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply when you order
- Must have a U.S. address
- Payment plans: Minimum monthly payments generally range from $20 to $110 and will vary based on your credit balance. If your balance is over $3,300, the minimum payment will be about 3.4% rather than a set amount.
- Find out more
Monroe & Main
- What it sells: Clothing, shoes, jewelry, handbags, accessories, and gifts
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply online during checkout
- Payment plans: Minimum monthly payments vary depending on your statement balance. Your payment may range from $20 to about 3.4% of your balance, depending on the amount.
- Find out more
Masseys
- What it sells: Men, women’s, and children’s clothing, shoes, accessories
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $15
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- There is no formal application process; just select “Masseys Credit” as your payment option during checkout.
- Payment plans: Minimum payments range from around $6 to $70, depending on your account balance. If the balance is over $1,300, your minimum payment will be 5%.
- Find out more
ASHRO
- What it sells: Clothing, shoes, wigs, and accessories
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply through your shopping cart at the time of purchase
- Must have a U.S., U.S. territory, or APO/FPO address
- Payment plans: Your minimum monthly payment will vary based on your credit balance; plans start at $20 for a $200 balance and go up to $110 for a balance of $3,300. If your balance is over $3,300, the minimum payment will be about 3.4%.
- Find out more
The Swiss Colony
- What it sells: Food gifts, including sweets, meats, sugar, and gluten-free items
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply online during checkout
- Payment plans: Minimum monthly payments start at $10 and go up to $105, depending on your balance. High balances (over $3,150) will have a minimum payment of about 3.4%.
- Find out more
Wisconsin Cheeseman
- What it sells: Cheese
- Fees:
- Late payments: Up to $15
- Returned payments: Up to $25
- Minimum interest: Up to $1
- Variable APR
- No annual fee or over-limit fee
- Requires credit check? Yes
- Other application requirements:
- Must apply online during checkout
- Payment plans: Payment plans range from $10 per month to $105 per month for most purchases, though balances over $3,300 will have a minimum payment of about 3.4%.
- Find out more
For even more “buy now, pay later” sites and catalogs, see our list of places with this type of payment plan.
If you’re looking for websites like Fingerhut because you’re dissatisfied with your credit limit, see our research on how to increase your credit limit at Fingerhut.
