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California Consumer Privacy Act

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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Total Cost of a Single-Item Purchase or Multiple Items in a Single Purchase
This chart details the total of payments and time period to repay at the advertised price per month
Total Retail Price (Product Price + Shipping and Handling) 1 Price Per Month 2 Maximum Number of Payments 3 Maximum Total Paid, Including Finance Charges 4 Maximum Number of Payments 3 Maximum Total Paid, including Finance Charges 4
From To Based on 24.90% APR (v) Based on 29.99% APR††
$9.99* $14.99 $9.99 2 $15.39 2 $15.47
$15.00 $29.99 $9.99 4 $31.28 4 $31.56
$30.00 $44.99 $9.99 5 $47.72 5 $48.32
$45.00 $69.99 $10.99 7 $75.84 8 $77.18
$70.00 $99.99 $11.99 10 $110.93 10 $113.52
$100.00 $124.99 $13.99 10 $139.67 11 $143.21
$125.00 $199.99 $17.99 13 $229.71 14 $237.22
$200.00 $249.99 $20.99 14 $290.12 15 $300.44
$250.00 $299.99 $23.99 15 $350.89 16 $364.17
$300.00 $349.99 $26.99 16 $411.92 16 $428.26
$350.00 $449.99 $32.99 17 $534.47 17 $557.13
$450.00 $549.99 $37.99 18 $660.83 19 $691.21
$550.00 $649.99 $46.99 17 $774.05 18 $807.49
$650.00 $799.99 $46.99 22 $997.14 23 $1,055.01
$800.00 $899.99 $59.99 19 $1,089.37 20 $1,141.98
$900.00 $999.99 $59.99 21 $1,239.88 22 $1,309.60
$1,000.00 $1,099.99 $59.99 24 $1,398.58 25 $1,489.65
$1,100.00 $1,199.99 $69.99 22 $1,498.40 23 $1,586.30
$1,200.00 $1,299.99 $69.99 24 $1,658.95 26 $1,769.23
$1,300.00 $1,399.99 $69.99 27 $1,827.44 29 $1,964.78
Price per Month for Total Retail Prices $1,400 and above are in the ranges listed below.**
$1,400.00 $1,499.99 $70.00 - $75.00 27 $1,957.89 29 $2,104.99
$1,500.00 $1,749.99 $75.00 - $87.50 27 $2,284.21 29 $2,455.83
$1,750.00 $1,999.99 $87.50 - $100.00 27 $2,610.53 29 $2,806.66
$2,000.00 $2,249.99 $100.00 - $112.50 27 $2,936.84 29 $3,157.50
$2,250.00 $2,499.99 $112.50 - $125.00 27 $3,263.16 29 $3,508.33
$2,500.00 $2,749.99 $125.00 - $137.50 27 $3,589.48 29 $3,859.17
$2,750.00 $2,999.99 $137.50 - $150.00 27 $3,915.80 29 $4,210.00
$3,000.00 $3,499.99 $150.00 - $175.00 27 $4,568.43 29 $4,911.67
$3,500.00 $3,999.99 $175.00 - $200.00 27 $5,221.07 29 $5,613.34
$4,000.00 $4,499.99 $200.00 - $225.00 27 $5,873.70 29 $6,315.01
$4,500.00 $4,999.99 $225.00 - $250.00 27 $6,526.33 29 $7,016.68
$5,000.00 $5,499.99 $250.00 - $275.00 27 $7,831.60 29 $7,718.35
$5,500.00 $5,999.99 $275.00 - $300.00 27 $7,831.60 29 $8,420.02
$6,000.00 $6,499.99 $300.00 - $325.00 27 $8,484.24 29 $9,121.69
$6,500.00 $6,999.99 $325.00 - $350.00 27 $9,789.51 29 $9,823.36
$7,000.00 $7,499.99 $350.00 - $375.00 27 $9,789.51 29 $10,525.03
$7,500.00 $7,999.99 $375.00 - $400.00 27 $10,442.14 29 $11,226.70
$8,000.00 $8,499.99 $400.00 - $425.00 27 $11,094.78 29 $11,928.37

The number of payments and the total cost are based on the APR in effect which, as of 4/10/19 was 24.90%. This rate will vary with the market based on Prime Rate. If the APR increases, the number of payments and the total cost may increase.

††The number of payments and the total cost are based on the non-variable APR of 29.99%.

  1. Add the product price plus the amount found in the Shipping and Handling Rates table to determine the total retail price of the purchase.
  2. Find the range the total retail price falls between to determine what the monthly payment would be, assuming no other purchases or balance on your Fingerhut Advantage Account issued by WebBank.
  3. This is the maximum number of payments based on the highest total retail price in the range. Number of payments may be lower if the total retail price is lower
  4. This is the maximum amount you will pay based on the highest total retail price in the range. Total cost may be lower if the total retail price is lower. Total cost may be higher if you accept an offer to defer payments.

*For items with a retail of $9.98 and less, all of the retail price will be paid in one payment.

**For Total Retail Prices $1,400 and above, the minimum monthly payment is 5% of the balance.

Existing Balance Payment Chart
Already have a Fingerhut account balance or making more than one purchase? This chart shows your monthly payment depending on the balance of your account.
Account Balance
From To Your Payment per Month is
- $9.98 100%
$9.99 $44.99 $9.99
$45.00 $69.99 $10.99
$70.00 $99.99 $11.99
$100.00 $124.99 $13.99
$125.00 $199.99 $17.99
$200.00 $249.99 $20.99
$250.00 $299.99 $23.99
$300.00 $349.99 $26.99
$350.00 $449.99 $32.99
$450.00 $549.99 $37.99
$550.00 $799.99 $46.99
$800.00 $1,099.99 $59.99
$1,100.00 $1,399.99 $69.99
$1,400.00+ 5% of balance
Shipping and Handling Rates
Ship Code Rate Ship Code Rate
a $4.99 k $24.99
b $7.99 l $32.99
c $8.99 m $38.99
d $12.99 n $70.00
e $14.99 o $110.00
f $16.99 p $170.00
g $17.99 q $200.00
h $18.99 r $300.00
i $22.99 y Free
j $24.99

Fingerhut Credit Information

The Fingerhut Advantage Credit Account is offered to US residents by WebBank, Member FDIC, who determines eligibility and qualifications for the terms of credit. Taxes, shipping and other charges are extra and vary. The advertised price per month is the estimated initial monthly payment required to be made for a single item order. If you place a multiple item order or at any time your Account has multiple items on it, then please see the Existing Balance Payment Chart for payment terms; the advertised price per month will not apply. The actual price per month includes interest and will vary depending on your account balance and other factors.

Deferred Payments

We may offer you the opportunity to enter into promotions. When you make a purchase under a special promotion, it will be identified on your Statements. The special deferral terms apply to a purchase for a specified period of time, which we call the “Deferral Period.” When you make a deferred purchase, the Deferral Period will be disclosed to you. Each Statement will contain a summary of all deferred purchases, including the unpaid principal balances, any interest charges and the dates until which payments are deferred. These special promotions are offered to you at the sole discretion of WebBank (as implemented by Fingerhut), are subject to credit approval, are not available for all purchases and cannot be changed by customer request. There is currently one type of special promotion, although we may add more or remove at any time. Monthly payments on the deferred purchase are not required during the Deferral Period. Interest will be charged at the monthly periodic rate in effect on your deferred purchase from the date of purchase. Interest charged during the Deferral Period will be added to your Deferred Balance every month. You will still be responsible for the Interest billed, even if the Deferred Balance is paid off before the Expiration Date. The amount of your deferred purchase(s) is/are not considered when we calculate your minimum monthly payment. We do consider your deferred purchase(s) for purposes of determining your available credit.