Sites like Fingerhut are all the rage now where you can follow the buy now and pay later policy. They do this by offering instant credits to people who have had credit problems and they can pay back by making monthly instalments. You get approval almost instantly as you apply for credit online and you can use it for purchases immediately without any burden of annual fees, membership fee and all those things that usually come associated with such a system.
What is even more admirable is that this site offers branded products with over 700,000 available items in the clothing, health and beauty, sports and fitness, toys and many more categories. If you are new to this concept or if you already use Fingerhut and wish to expand your horizons, then read on through the list below where we have listed websites like Fingerhut that offers similar services.
Top 10 Sites like Fingerhut:
HSN is a great alternative if you are looking for companies like Fingerhut that offer credit. HSN has been running for quite a long time and it has got almost everything you will ever need and also operates worldwide. Some of the categories this site deal with are beauty, jewellery, electronics, home, health and fitness and many more which you can find on their site which is rather pleasing to the eye and easy to use with a newsroom and good customer support which will make your experience very smooth.
To use HSN, you will need their credit card which you can create easily and by using this credit card, you can buy stuff and pay later without any complications. The site is very fun to use with just about anything you need that can be found here and there are always great deals going on the site every day so that you will find yourself a deal or a steal whichever day you opt to shop. You can check out their newsroom to find the latest collaborations, deals and even subscribe to their mailing list if you wish to stay on top of all the deals that they offer which is very convenient.
2. Country Door
Country Door is store like Fingerhut with a lot of items in different categories like bed, bath, home decor, kitchen and dining and a lot more for all your needs. This site doesn’t require any annual credit for membership. They are based in the United States and works only for the US residents. They offer membership perks as well, like a credit line increase and online account management. The application process is easy as well and you can apply either while you are ordering or during check out.
Applications are usually approved within 24 hours and all applications are subject to approval and they do exact late fees of up to $15 and up to $25 for returned payments and they are subject to vary in different states. A credit check is required and after the consumer report is obtained, approval depends on the credibility of the person and they do not disclose the minimum credit score. The lowest plan starts from purchases of up to $200 and exacts a monthly payment of $20 and the highest plan allows for a maximum purchase of $1800 and a minimum monthly payment of $60.
Gettington works similar to the Fingerhut for bad credit. They don’t have any annual fees for credit membership. Items sold on this site are Home goods, toys, tools, automotive, clothing, jewellery and electronics which is quite a vast array of collections and categories. The process is quite simple as you have to just fill out the membership form which is available on the website and doesn’t require too much time.
The site does not exact over-limit fees and has a minimum interest policy of $0.50. The late payment fee of up to $38 is also possible and the payment plan is such that minimum payments will be equal to 5.5% of the balance on the account or $20, whichever is higher. The site also requires that you have a consumer report and approval is based on creditworthiness and the site does not disclose a specific minimum credit score. 4. Ginny’s
ASHRO sells items like shoes, wigs clothes and accessories and does not require annual fees for credit membership. ASHRO is based in the State of Wisconsin in the United States and operates solely in the US as well. You can apply online at the same time as you checkout or while you order stuff and orders and credits are usually approved within 24 hours of issue. A credit check is required and a consumer report is obtained and approval is dependent on trustworthiness and ASHRO does not disclose the minimum credit score either.
They do exact late payment fees and other costs like up to $15 for late payment and up to $25 for returned payment and this can vary depending on the state and they also issue variable APR (annual percentage rate). There are membership perks like a credit line increase and account management and there also different payment plans too. The lowest payment plan starts with a purchase of up to $200 and a minimum monthly payment of $20. The maximum payment plan allows a purchase of up to $1800 but has a monthly minimum payment of $60 and hence has a choice for everyone.
Ginny’s is a website like figerhut to buy stuff like furniture, kitchen and dining, electronics and a whole lot more because they have all of that in store for you. They do not ask you for an annual payment for credit membership and the site is SMOOTH as far as user experience is considered. Like in the other site mentioned here, this site also requires a credit check and consumer report is obtained for deciding whether your application should be approved. Their plan starts from a monthly payment of $10 for a purchase of up to a $100 and a monthly payment of $40 for purchases up to $1200.
The site also exacts late payment fees of up to $15 and up to $25 for payment returns. The site was here for us since 1990 which shows the reliability of the site and is a very good alternative to Fingerhut if you need a change for whatever reasons. You need to create an account to start shopping and you also get membership perks if you do and the site is just totally affordable and if you buy for $600, you only have to pay up $30 per month and hence offers varying credit plans depending on how much you can pay up.
Rubikloan is not a company like Fingerhut but rather a site that helps you connect with a lender and is dedicated to providing loans very easily without all the trouble of application forms and such. You can easily request for loans for up to $5000 and the skite will work as a mediator to get you set up with an approved lender which means that the site can be trusted as well. the repayment starts after a month and they do have some policies that we recommend that you check out before you start using the site and they do not sell any products on the site as well. Just create an account on Rubikloan and fill in all the necessary details and you will receive the payment in 24 hours or less, sometimes within an hour.
Most of the lenders require you to satisfy some conditions like you must have worked at your current employment set up for at least 90 days and that you are a US citizen or permanent resident of above 18 years of age. The lenders also usually state that you need to have a monthly income of $1000 after tax deductions and that you have a working telephone number for your home and work and also a valid email address in addition to having a checking account on your name. The site guarantees security and privacy and that the cash will be sent directly to your bank account once your request is approved and repayment can also be set up to be automatic. Late payment policies will vary depending on the lender and make sure to read and understand the terms and conditions before you proceed.
7. Midnight Velvet
Midnight Velvet is a catalog store like fingerhut. They sell items like gifts, jewellery, accessories, home goods, clothing, shoes and anything you might want and does not require annual fees for credit membership. But a credit check is required and approval for your application depends on your integrity and they do not disclose a minimum credit score. The application process is also rather straightforward and you will be directed to a short application form after choosing the payment option and Midnight Velvet Credit which is a convenient option.
They also offer membership perks like online account management and credit line increases and they don’t ask for over-limit fees and the minimum interest starts from $o to $1 and the late payment fees can go up to $15. For balances of up to $200, you will need to pay a monthly amount of $20 and for balances of up to $3,300, you will have to pay $110 every month and as it is evident, it allows for a much bigger loans than most of the other site but be wary of the paying up process and decide on the plan that suits your requirements the best.
LendYou is similar to Rubikloan than Fingerhut because it’s like a loan marketplace which works as a mediator between actual lenders and borrowers and a good way to find credit. You can register remotely through any device and the process is very fast and if you get connected with a lender, you will get offers from the lender with some conditions set on the loans that you can choose to accept or reject. The size of the loan doesn’t matter because all you have to do is satisfy some predefined requirements and you are good to go and the money will be deposited directly to your bank account on the next working business day after your request has been approved.
To make use of the service you have to be a US citizen of at least 18 years with a valid checking or savings account with direct deposit on your name and a minimum income of $1000 per month. You should also not be a member of the Air Force, Army, Marine Corps, Coast Guards or Navy and also should not be depended on someone who is. The interest rates are actually pretty low even when compared to Fingerhut and the process is very quick and you will get the money in no time at all. Lend You is a site worth checking out if you are having a tough time and in need of some urgent money but make sure to pay up timely.
9. Montgomery Ward
Montgomery Ward not only follows the ‘buy now pay later policy’ but has also got multiple products on the site like apparel for women and men, home goods, kitchen and dining, health and fitness, beauty, electronics and so much more. The site is based in the United States and does not sell, deliver or market outside the country. They run a sale section even, just like Fingerhut and if you check that out, you will find many deals, steals, and discounts in addition to the credit policy which is just so cool. Just make sure your payments are done on time and you can earn higher credit limits that way.
The site also does not require annual fees for credit membership and offers membership perks like online account management and of course, credit line increase and applications must be filled out as you order and they are subject to approval. the approval depends on the consumer reports and your loyalty and late payment fees can go up to $15 while payment return fees can go up to $25. The plan starts at a monthly payment of $20 for purchases of up to $100 and a monthly payment of $60 for orders up to $1800. Montgomery Ward does not reveal a specific minimum credit score.
10. The Swiss Colony
The Swiss Colony is a site which deals with products like meats, sugar, gluten-free items, food gifts and things related to food and works with the same buy now pay later policy like Fingerhut with no annual fees for credit membership whatsoever. It only serves dwellers of the United States and does not sell or market or deliver stuff outside the country and they have a heritage which points to their reliability. they also offer membership perks like a credit line increase and online account management to make your life easier and the process more comfortable.
Applications must be filled out at the same time as you order or you can also choose to do that while you check out and all the applications are approved within 24 hours and all applications must be approved to proceed. The lowest plan starts at a monthly payment of $10 on a purchase of up to $75 and the highest plan allows you to make orders of up to $1000 with a minimum monthly payment of $35. Late payment fee, as usual, can go up to $15 and a fee of $25 is exacted for payment returns and the approval of applications is subject to your integrity.