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For California residents, by proceeding to interact with Fingerhut, please be aware that your personal information may be collected.

To understand the types of personal information that we may collect about you, please visit our Privacy Page.

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get the credit you deserve

apply now on your mobile device

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already a customer?

you’ll also enjoy these
awesome benefits

 
shop with
low monthly payments1
we report to all three credit bureaus
 
 
100s of top brands and products
no hidden
fees2
 

the proven way to build
your credit history

Get the complete WebBank/Fingerhut FreshStart program details: www.fingerhut.com/content/freshStartTC
3 easy steps
we’ll pick the credit
option that’s right for you
1
apply and get an instant decision
2
shop with
low monthly payments1
3
build new
credit history

Our traditional credit account allows you to shop whenever you like, up to your credit limit.

 
  • Build your credit history when you make a purchase and make on-time payments.
  • After just 3 on-time payments, you could get a credit-line increase!

if you’re starting out or starting over, this program is designed to help people like you.

 
  • 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.




#
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.