Most people are well aware of Fingerhut. If you like to purchase items on credit, it's one of the easiest companies to use. It also provides an avenue for individuals who are trying to build their credit because it's relatively easy to get approved and you can start building a good credit history by making small purchases and then paying them off in installments. They also have a relatively wide range of products from which to choose. In fact, you can buy clothing, household appliances and decorative items through the company.
That being said, it's always good to have alternatives. What if you like the basic platform associated with Fingerhut, yet you're looking for other companies that are similar? Fortunately, there is no shortage of them (20 are listed below). If you're looking for similar stores to check out, this is a great place to start.
This is a solid company that only offers products of the highest quality. As a matter of fact, you can't purchase bargain bin items here because they only focus on more high-dollar purchases from companies such as Dyson, Nike and Apple. If you're looking for a fair deal on these types of items, then this particular platform is truly hard to beat.
They also give you some flexible payment options along the way. In fact, you can choose an option that allows you to pay 90 days same as cash. If you pay the item off within three months of purchasing it, you won't be charged any interest. Of course, they also have payment options that allow you to extend your payments over a longer period of time. This is a great option, especially if the item you’re purchasing is on the more expensive side.
Some people absolutely love this store and others aren't so crazy about it. However, it is similar in certain aspects to Fingerhut. Therefore, it deserves to be included on the list. Like many of the stores here, you shop online, as there is no brick and mortar store.
In this particular case, you have to apply for a credit account before you can purchase anything. If you're approved, then they give you a credit limit so you know exactly how much you can spend on any particular item. Instead of paying for the item in question on a monthly basis, you have to make weekly payments that are stretched out over the course of 52 weeks.
This is a great place to shop if you don't have any credit history or you have something of a checkered past when it comes to your credit. That's because the store doesn't use credit history to decide whether or not to approve you. You simply fill out a short application regarding the amount of money you make. Most people are approved in a matter of minutes.
Once you get approved, you're given a credit limit that allows you to know exactly how much you can spend. They sell a wide range of items but they specialize in larger types of items that are needed for the home such as appliances and mattresses. They also have some very good prices, making them a solid option for people that are trying to get back on their feet and can't afford to spend a lot of money on a big purchase all at once.
17. Country Door
This is a popular online store if you want to redecorate your home with new furniture and similar items. The company also offers linens and in many cases, even cooking utensils. They do operate a little bit differently than Fingerhut in the sense that you shop through their catalog, choose what you want and then you find out how much it all comes to.
If you choose a lot of items, you might be in for a surprise when you find out how much you're going to pay every month. It is worth noting that their minimum monthly payment is $20, even if the item that you choose is $100 or less.
This one is similar to both Fingerhut and Country Door. As a matter of fact, their credit account works exactly the same way as it does at Country Door. They even sell many of the same types of products in the sense that they sell a lot of home decor items and other things that you would use in your house.
That being said, they also have a tendency to sell some thrilling unique items that can be used for gifts. If you're looking for something that's not just some run-of-the-mill product, this is a good place to start. It's also worth noting that they have a cheaper minimum monthly payment than Country Door. In this case, their payment starts at $10 per month.
Zebit is another company that doesn't use your credit score to determine your approval. They require a short application that’s very easy to fill out. Furthermore, it typically only takes a few minutes to get approved. They sell a wide range of products but they specialize in items that are typically more expensive, such as home appliances.
One of the things that really makes this company stand out is that they don't charge interest on your purchases. Imagine purchasing a refrigerator and a washer and dryer without having to pay interest on them, all while having the ability to make monthly payments until they're paid off. That fact alone makes them a favorite among potential buyers.
14. Seventh Avenue
Here's a company that has an easy approval process and sells a wide variety of products for the home as well as clothing and other accessories. They also have payments that start at $10 a month. If you're looking for something that will allow you to enhance your wardrobe or even redecorate without spending a fortune all at once, this is a good place to start.
This is something that a lot of people use to purchase clothing and similar items. Furthermore, it can be used in conjunction with other major companies such as Old Navy or Amazon. If you don't have the money to pay for something in full, you can often use AfterPay to break the total amount of the product into four payments, with each payment coming due every two weeks.
12. The Swiss Colony
Here is a solid option for you if you need to purchase food items for people on your Christmas list. They sell a wide range of cookies, cheeses and other types of edible gift baskets and you have the opportunity to pay it out over the course of several months. In fact, payments can be as affordable as $10 a month.
11. Monroe & Main
This particular online store specializes in clothing and accessories such as purses, shoes and even sunglasses. It's a great place to build a rather impressive wardrobe. The best part is that you can do it all for a reasonable monthly payment. In fact, their payments start at $20 a month and go up from there.
Imagine that you're into musical instruments and you've been dreaming about purchasing a new guitar or keyboard, but just don't have the money to pay for it all at once. That's when you come here. They'll take the total amount due and break it up into four payments, provided that you are approved for their credit. It's a great way to get that newest musical instrument without breaking the bank in the process.
9. Home Shopping Network
If you really want a wide range of products, this is the place to go. They have virtually everything from clothing to home decor and various gifts. They also have a lot to offer when it comes to choosing a payment plan that actually benefits you. The amount you pay will be determined by the total amount of your purchase. In addition, they have a straightforward application and it's easy to get approval.
Maybe you've never heard of this website, but that doesn't make it any less of a value. Rest assured, they are a trusted website that specializes in more expensive items like electronics. Let's say that you want to purchase a new television set but you don't have the money to spend all at once. Here, you can get approved for a line of credit all the way up to $3,500 and then pay it out in installments. Your monthly payments will be determined by the amount of the product you're purchasing.
This is a little gem that a lot of people haven't heard of, yet it is almost identical to Fingerhut. They have loads of products from which to choose and they also have payment options that are more than reasonable. It's easy to get approved, so if you're in the market for items to use as Christmas gifts or you want to redecorate your home, this is a good place to start.
6. The Shopping Channel
Don't let the name fool you. If you're interested, you can simply go to their website and choose from thousands upon thousands of different products. The best part is that you don't have to pay for any of it in full, but instead through monthly installments. They're very similar to Fingerhut but they have far more products from which to choose.
This is another company that specializes in relatively high dollar fashion items. Think about name brand items such as Adidas. They have a fairly standard approval process for credit. Simply choose the items that you're interested in purchasing and apply for a line of credit with them when you check out. If approved, you can pay the items out in monthly installments that start at $20 per month.
As you might have guessed from the name, they deal mainly with electronics such as computers, printers and similar items. Instead of paying for an item in full when you check out, you can pay for it in three monthly installments. Depending on the price of the item in question, that still may turn out to be a significant amount of money. However, it's better than being stuck with the full purchase price all at once.
Overstock has been around for years and the company has changed quite a bit during that time. These days, they focus on larger items such as furniture for the home. They also have some truly amazing prices. Choose what you want, go to the checkout page and then choose “bill me later.” If you're accepted, you’ll have the opportunity to pay for the item you choose in a matter of months as opposed to paying for it in full.
There are a lot of things about this particular company that are advantageous. They have a wide range of products available. As a result, you can purchase items for the home out of the same catalog from which you purchase a new pair of shoes or even a new laptop. Much like Fingerhut, they have a wider selection of items available online. In fact, their printed catalog only offers a highlight reel of the products that they have available for sale.
Stoneberry doesn't charge over limit fees or anything of the sort. They decide what your credit limit is and you're simply not allowed to go over it. As long as you pay your bill on time, you have the opportunity to get some truly great items and build your credit at the same time. They also have payment plans that start at just $6 per month.
This particular option is easily one of the largest stores of its type in existence. At last count, they offered more than 350,000 different items available for purchase. If you can't find what you're looking for at other places like Fingerhut or Stoneberry, there's a better than average chance you’ll find it here.
In many aspects, the store is very similar to Fingerhut but they do run their payments just a little bit differently. For example, if they give you a credit limit of $900, you know up front that you can make purchases that equal that amount and exactly how much you'll be paying every month in order to pay it all off. Although the exact amount varies, it's typically somewhere in the neighborhood of $50 a month.
Written by Allen Lee
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