how it works
- apply & receive your offer
- shop with low monthly payments1
- build new credit history
which credit option is right for you?
Fingerhut Fetti ®Our traditional credit account means you can shop whenever you like, up to your credit limit.
- Build your credit history when you make a purchase and pay your monthly bill.
- After just 3 on-time payments, you could get a credit-line increase!
Fingerhut FreshStart®This program is designed to help people who are starting out or starting over.
A one-time purchase program that’s a step to a traditional credit account.
Your $30 down payment is taken off your purchase price.#
FreshStart customers who have successfully completed this program have seen on average a 30 point increase^ on their FICO® Score.
start your credit journey with us
we’ll find the product that fits for you
see how we can help you
For complete program details, see the WebBank/Fingerhut FreshStart Terms and Conditions.
Based on the average FICO® Score increase from all Fingerhut FreshStart® account customers who successfully completed the program between 2/1/2022 through 2/1/2023. Average increase is based on FICO 8 methodology.
FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.