11 Best Stores & Websites Like Fingerhut (Buy Now, Pay Later)

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 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%.

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%.

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
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.

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%.

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%.

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.

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.

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%.

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%.

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%.