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which credit option is right for you?
Advantage
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.
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Your $30 down payment is taken off your purchase price.#
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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
order today and you could win
NO PURCHASE NECESSARY TO ENTER OR WIN. A PURCHASE WILL NOT INCREASE YOUR CHANCES OF WINNING. Open to legal U.S. residents 18 and older. Void where prohibited. See Official Rules for instructions on how to enter for free.
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For complete program details, see the WebBank/Fingerhut FreshStart Terms and Conditions.
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Based on the average FICO® Score increase from all Fingerhut FreshStart® account customers who successfully completed program between 8/1/2019 and 8/1/2020. Average increase is based on FICO® Score 8 methodology.
FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.
