Caleb is a technology writer with particular interests in mobile apps, artificial intelligence, and internet culture.
Fingerhut has a long-standing reputation as one of the leading providers of credit products for middle-income consumers. It offers customers installment loans and revolving credit with the flexibility of monthly payment options. This makes it an attractive proposition for those seeking to establish or rebuild their credit.
But Fingerhut isn't the only site that provides this type of payment feature. Here are sites like Fingerhut that allow you to buy your favorite products now and pay the full amount later.
Companies Like Fingerhut
- Home Shopping Network
- Country Door
- Midnight Velvet
Venue.com offers an extensive selection of high-quality products from top brands like Apple, Nike, Samsung, Dyson, PlayStation, and more. With Venue, you can buy the products you want now and pay for them over time. You don't need to pay any interest if you repay the money within 6 or 12 months. This flexibility makes it easy to get the products you want without having to pay for them all at once.
In addition, it offers competitive prices on all of its products, making it a great place to shop without spending a lot. Whether you want the latest iPhone or a new pair of sneakers, Venue has what you're looking for.
Stoneberry provides a unique type of credit that allows you to make purchases and then repay them in monthly installments. One of the benefits of purchasing from this site is that the monthly payments are lower than some of the other options out there—as low as $5.99 per month. This can make it more affordable for you to make your purchases and still keep up with your other financial obligations. Like Fingerhut, this site doesn’t levy any over-limit fees or annual membership fees.
AfterPay has a unique payment option where you can split your payments into four equal installments. You need to pay one of the installments after every two weeks until the balance is paid, meaning you have six weeks to pay the full amount. This option is suitable for those who want to spread out the cost of their purchase over a period of time.
The payment schedule is different from others that offer a range of monthly payment options that may become confusing for you to track after some time. With AfterPay, you can have your products paid for in a shorter amount of time.
4. Home Shopping Network
The Home Shopping Network is a convenient way to shop for items from the comfort of your own home. You can browse through a wide variety of items and make a purchase without ever having to leave your house. It also offers "buy now, pay later" financing, which allows you to make your purchase now and pay it off over time in easy installments, quite similar to how the payment option for Fingerhut works.
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Ginny’s is a website that offers a credit account with monthly payments as low as $10. Here’s how the credit plan works: you fill your cart with the items you want to buy, go to Ginny’s credit page and open an account, and check out after selecting a repayment schedule.
If you buy up to $100, your monthly repayment amount will be $10, $20 for purchasing items up to $200, and so on. Although the monthly repayment amount is higher than Fingerhut, it still provides a high purchasing power with an option to repay the full amount in small monthly installments.
6. Country Door
Country Door is a home decor retailer that offers its customers the option to sign up for a credit account. This account can be used to finance purchases made both online and in-store. The application process is similar to that of other companies like Fingerhut and Ginny's. Customers can begin shopping and select the option to open a credit account during checkout. Once the application is complete, they will receive a decision on their approval status.
One key difference between Country Door and Fingerhut is the minimum monthly payment. Country Door requires its customers to make payments of at least $20 per month. This may make Country Door more difficult to manage for customers with limited budgets. Overall, it offers a similar buying experience to Fingerhut but with slightly higher minimum payments.
QVC is different from Fingerhut because it provides you with a physical credit card that you can use not only to purchase items from the website but also on other websites that accept QVC cards. Another difference between QVC and Fingerhut is that you get a $20 QVC credit as soon as you open an account. Like Fingerhut, QVC also doesn’t levy any annual fee for its credit card holders. You can even enjoy a 10% discount on your first QVC card purchase from Zulily.
Zebit offers consumers the opportunity to use a credit account without worrying about interest rates. When it comes to making big purchases, interest rates can make a big difference to your final repayment amount. Fortunately, Zebit does not accrue interest on the items that it sells to customers, thus making it an attractive option for people who want to make a large purchase, such as a television, but may not have the money upfront to do so.
Most customers receive a credit worth $750 to $1,500 for their initial spending limit. However, you need to make a 30% down payment first. If you buy an item worth $1,000, your down payment amount is $300. The remaining $700 is financed at 0% interest that you have to repay in 6 months.
9. Midnight Velvet
Midnight Velvet is another alternative to Fingerhut that offers a "buy now, pay later" scheme. To use the service, you simply need to open an account and make a purchase. On the payment page, you can select the line of credit that suits you. If you buy products worth $200, your monthly repayment amount will be $20. However, by paying $5 more every month, you can double the merchandise order using Midnight Velvet's credit facility.
The site also offers a variety of other features that make it a convenient and user-friendly website. For example, customers can enjoy free shipping on orders over $100, and there is also a customer loyalty program that provides rewards for returning shoppers.
Massey's "buy now, pay later" option does not require filling out an application upfront or after completing a purchase. Instead, opening a credit account with the site is considered the application, though this too depends on the final approval from the website. This lack of an initial application barrier makes Massey's suitable for those who may not qualify for other financing methods or who simply dislike the idea of filling out paperwork before shopping.
Another advantage of Massey's is that it offers a wide variety of merchandise, from clothes to accessories, making it a one-stop shop for many buyers.
If you're looking for a way to make larger purchases without breaking the bank, you can consider buying from these sites that offer a "buy now, pay later" payment feature like Fingerhut. Just be sure to read the terms and conditions carefully so you know what your repayment options are and how much interest you'll be charged.
This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.
© 2022 Caleb Melvern