Welcome to Fingerhut!
Our story is a good one.
Fingerhut started back in 1948. Since then we have helped millions of people buy everything from furniture and bedding to jewelry to the latest electronics, all with affordable low monthly payments.1 Fingerhut offers you a great way to give your family the basics, but also make those birthdays and holidays extra special.
Even if you have been turned down for credit, give us a try. We can often say Yes! when others say no. Even better, when you apply for credit, you will get an answer instantly, and could start shopping right away. We work with people every day who have (or had) credit challenges and we look forward to working with you!
- Apply for Fingerhut credit. 4 out of 5 people are approved for a Fingerhut Credit Account issued by WebBank.2
- If you are approved, you can start using your credit right away.
- Pay off your order with low monthly payments.1 They could be as low at $5.99 per month.3
Fingerhut offers more than 30,000 great products including the brand names you want like Sony, Dyson, Skechers, KitchenAid and more. You'll find your favorite electronics, jewelry, shoes, furniture and decor items. Get what you need for your kitchen, living room, bed or bath, and find great gifts for your family. Start shopping!
Fingerhut offers the credit you need to buy the stuff you want for your family. We make it easy to apply. Even better, 4 out of 5 people are approved for a WebBank/Fingerhut Credit Account.2
We charge NO annual fees, membership fees or over-limit fees.2 You might notice that our retail prices can be slightly higher than your local discount store. However, you don't pay any fees to shop with Fingerhut credit. (Only any interest you may accrue on your account.)
We are here to give you credit to help you buy what you need. When you use your WebBank/Fingerhut Credit Account, and you make your payments on time, you build your credit with us, and we report your good payment history to the credit bureaus. Every little bit helps! Apply for credit!
We are here for you, 24/7. If you want to apply for credit, place an order or have a question about your account, you can look online, any time, day or night. You can also call and find out account details or make a payment over the phone, any time. You can call and talk to a real person, 24 hours a day. You can also email questions to us. Contact us!
How does Fingerhut Credit Work?
Apply for credit online, by mail or over the phone. Get an answer instantly. If you are approved, shop and place your order(s). Make your low monthly payments1 in full and on time. Then you could be eligible for more credit, special offers and more. We report your payment history to the credit bureaus. It's a great way to build your credit with us!
How Much Does the Card Cost Per Year?
Nothing! There are no annual fees, no application fees and no over-limit fees.2
How Are your Prices?
You may notice that some of our retail prices are higher than your local discount stores. Part of the reason is that we do not charge our customers to use Fingerhut credit when you shop our 30,000 products. There are no annual fees, no over-limit fees, no application fees.2 That's not how we do business.
Who gets Fingerhut Credit?
We approve about 4 out of 5 people who apply for Fingerhut credit.2 Even if you have had credit challenges in the past, give us a try. You just might be surprised!
Do You Have More Than One Kind of Fingerhut Credit?
Currently, there are two types of Fingerhut Credit programs. There is the Fingerhut Revolving Credit Account and the Fingerhut FreshStart® Credit Account. The Fingerhut Revolving account may or may not require a one-time down payment when you place your first order. (This is not a fee, and it counts toward your order.)
The Fingerhut FreshStart Credit Account is like an installment loan. You place one order with a $30 down payment.3 You pay off that order in (usually) six monthly payments. Then you graduate to a regular Fingerhut Revolving Credit Account with a higher credit line.2, 4 Both are great programs and we will choose the one that is just right for you.
Can I Use Lay-A-Way?
We currently do not offer lay-a-way. But, with Fingerhut's low monthly payments1, you can get what you want now, and pay for your purchase over time. That's even better than lay-a-way.
Can I Use My Fingerhut Credit at Other Stores?
Fingerhut Credit can be used to buy more than 30,000 items on fingerhut.com, the Fingerhut catalog and over the phone. You may also use your Fingerhut Credit to make purchases with select Fingerhut partners. You will receive offers from these partners from time to time. These include online florists, insurance companies and others.
- If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
- Please see our complete Revolving Fingerhut Credit Account Terms and Conditions.
- For complete program details, see Terms and Conditions.
- Dependant upon successful completion of the Fingerhut FreshStart Credit Account, such as no late payments or returned payments. See your Truth-in-Lending Agreement for details.