Chances are that you are spending a fair bit of money keeping your house in good condition, making sure your family is well fed, and above all, making sure your well-being is taken care of. This can easily take away most of your ability to make large purchases.
However, with websites such as Fingerhut, you can make these large purchases and pay back the cost at a monthly rate as low as $6.99.
This allows you to get some of the appliances, gifts, and electronics that you or your family needs without breaking your bank in the process.
If Fingerhut seems interesting to you, but you want to have some more websites to choose from before you sign up to one, here are 20 sites that are similar to Fingerhut and they offer “buy now, pay later” payment plans and credit for customers.
Before listing and discussing the alternative sites below, let’s first get an idea/estimate of the popularity of the top 10 similar sites as measured by the number of searches per month that are executed on Google.
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Similar to Fingerhut, Stoneberry is a website where you can apply for a special type of credit to use so that you can make purchases on this website.
However, the monthly payments that you might have to repay your purchases at can be as low as $5.99 per month, which is a little bit less expensive than Fingerhut.
Also, similar to Fingerhut, you won’t have to worry about annual membership fees, overlimit fees, or bills that you would have to pay.
As for the types of things you can purchase from Stoneberry, there’s just about everything a household could need.
From outdoor furniture to bedding to electronics that you could purchase as a gift, Stoneberry is the perfect place to do your regular shopping, without having to worry about breaking your bank and budget in the process.
You might be familiar with the Shopping Channel. This website is the same as what is presented in the show, meaning just about everything there, can be purchased here.
This also means that there will be a larger focus on fashion, clothes, jewelry, and electronics. If you are looking to splurge on yourself or get a gift for someone who is important to you, but you might not have the money for the full cost of a major purchase, you might want to consider The Shopping Channel’s credit program, which works similarly to Fingerhut’s.
Gettington is another website that allows you to purchase just about everything you would need for your house and home life, while also offering a “buy now, pay later” program.
Rather than showing one of the lowest monthly payments available, Gettington shows you what you might pay when you spend a certain amount.
For instance, if you spend around $350, you might only be paying around $20 a month, or less. Or, if you want to spend a little bit more, you can spend $900 and only have to pay around $50 a month, or less.
As for what is offered by Gettington, everything from sports and fitness to shoes and even baby products are offered in their 350,000 items to choose from, making it one of the largest stores that you can get this kind of deal from.
The Home Shopping Network is pretty similar to The Shopping Channel in the sense that it also stems from a popular channel on TV.
This makes the Home Shopping Network a site where you can better your home and personal life, as well as get gifts for people.
As for their “buy now, pay later” offer, you can pay off your purchase in easy installments based off the price of the item itself.
Items that are more expensive are going to have larger installments to pay off over a longer period, whereas smaller investments are going to have smaller installments that you pay off in less time.
FlexShopper offers another variation on the “buy now, pay later” idea of webstores. With this website, you will first have to apply, but once you have been approved, you will have a spending limit that you can work with.
With that spending limit, you will be able to choose from a total of over 85,000 products. When you make your purchases, you will pay off your investment in weekly payments, rather than monthly payments.
These payments will be made over the course of one year, meaning that if you are able to pay everything off in the year, you will be able to own the item.
As for what FlexShopper has to offer in terms of products, most of the products offered are in the electronics and appliance range, although you can also invest in tires, mattresses, and other pieces of furniture as well.
MDG is another website that offers you the ability to apply for their credit to shop at their store, using their “buy now, pay later” policy.
The process of applying for such a website is incredibly easy, as all you will have to do is fill out the application, wait for it to be approved, and then receive the spending limit to purchase things from the website with.
In some cases, you can get a spending limit of up to $3,000, and, unlike FlexShopper, you officially own what you purchase when you buy the item, rather than when you pay it off.
Unlike several other similar websites, you also won’t have to worry about your credit history, as it won’t be needed. MDG also offers products that range from electronics and air conditioners to mattresses, appliances, and furniture.
Ginny’s is one of a few sites on this list that offers a special credit account that you can work with. With this website, all you will have to do is first fill your cart with the items you want to purchase, open a credit account while you are checking out, and then you will be ready to go.
The monthly payments that you make to pay for these purchases can be as low as $10 a month, which might be higher than Fingerhut’s, but it is significantly lower than purchasing the item for the full price at once.
Ginny’s offers a variety of products ranging from furniture and home supplies to bed and bath supplies and even some special gifts and toys for family and friends.
Country Door is quite similar to Ginny’s in the sense that signing up for the credit account is nearly the same.
All you must do is begin shopping, select the option to open a credit account during the checkout process, and then you can begin the approval process.
Unlike Ginny’s, the minimum monthly payments are closer to $20 per month rather than $10, which is something to pay attention to, but it is still a wonderful way to save your money on major purchases.
Also, similar to Ginny’s, Country Door offers a variety of furniture, kitchen, and outdoor products for you to choose from when you are improving or decorating your home environment.
Seventh Avenue is another website that is in the same vein as Ginny’s and Country Door. In fact, even the approval process is the exact same, which makes it even easier to sign up for a number of these websites, if you like what they have to offer.
With a minimum of $20 a month in payments, Seventh Avenue is a website where you can buy a variety of furniture products, including beds, bath products, electronics, patio sets, and even supplies to begin grilling some food with your family during the summer season.
QVC is a little bit different than most of the other websites in this list. After all, this website offers you the chance to have a physical credit card that you can use in several ways and places.
Not only can you use it on their website for some good deals on their products, but you can also use the card in just about every store that supports this type of card, as well as some popular websites.
This allows you so much versatility when it comes to what you can purchase that it is well worth applying for. In addition to this, the QVC website offers countless products to choose from, ranging from beauty products to shoes and numerous electronics and appliances.
Zebit is another unique website that offers you the chance to be able to use a credit account, without having to worry about interest rates.
Zebit boasts proudly that it will always offer 0% interest on your purchases, which makes things significantly easier when you are making relatively large purchases, such as buying a brand-new television.
When you are applying to Zebit, you also won’t have to worry about your credit score, as this is not needed for your application. All you will need to do is apply and wait to be approved to start using Zebit. Zebit specializes in providing electronics, home and décor, and kitchen products, as well as some fashion.
Midnight Velvet is another website that is similar to Ginny’s and those websites. When you are checking out, all you will need to do is open an account and you will be ready to start using this website.
With this “buy now, pay later” offer, you won’t have to worry about spending a large amount of money on filling up your children’s wardrobes or getting a gift for your family members.
Midnight Velvet, as you might be able to imagine from the name, is a website that specializes in selling clothes, accessories, and jewelry for both men and women alike, although they do offer some home décor for you to choose from.
Ashro is a website that offers monthly payments that can be as low as $20 a month, depending on how your application is viewed.
Such as the previous websites, the application process can be reached after you have filled your shopping cart and have begun the checkout process.
Ashro is quite similar to Midnight Velvet in the sense that Ashro also focuses on clothing and fashion for both men and women.
If you are in the mood to stock up on stylish dresses, or you want to purchase some church attire, you can rest assured knowing that Ashro has everything you will need. In fact, Ashro also provides quite a few wigs, as well as their apparel.
AfterPay is a little bit different than some other sites. After all, this website has created a special schedule for their payments, unlike others that offer a variety of monthly payments that you will have to pay.
With AfterPay, your payment will be split into four payments of the same amount. Every two weeks, you will pay one of those payments, meaning that you will have your products paid for within a matter of months.
Although, this does mean that the payments will be a bit higher, it also means that you won’t have to worry nearly as much about interest or anything similar, since your products will be paid for in a short amount of time. AfterPay’s shop specializes in mostly fashion from numerous brands.
Monroe & Main is another website that has countless articles of clothing for you to choose from when you are searching for the best “buy now, pay later” website to choose from.
Of course, this website also offers you the chance to open an account after you have filled your cart with the products that you are excited to wear as soon as they ship to your house.
Monthly payments can be as low as $20 a month, meaning that you can easily pay off the price of your clothing. While Monroe & Main has a lot of clothing to invest in, they also offer accessories, such as handbags, to look at as well.
Masseys is another unique site to look at when you are searching for a “buy now, pay later” site. Instead of filling out an application before or after you complete your shopping,
Masseys doesn’t require you to fill out an application of any kind. In fact, this website considers opening a credit account their application, although that “application” is still subject to final credit approval.
In the beginning, your credit limit will be within the first few pages of their pre-approved catalog, meaning that you will be able to see what you are able to buy, as well as what you can work toward. Masseys is a website that offers more shoes, accessories, and clothing between the sizes of S and 5X.
Most of these “buy now, pay later” websites are focused on clothing, appliances, home décor, and home practicalities.
However, The Swiss Colony is not like those sites. Instead, The Swiss Colony offers food for you to choose from with their credit line.
Such as many other sites, all you will have to do is open a credit line with them when you are in the checkout phase of buying.
Their minimum payments can be as low as $10 a month. As for what type of food The Swiss Colony has to offer, most of it is going to be sweets, such as candies, cookies, gummies, and even toffee, although they do offer nuts, sausage, and beef logs.
Overstock is one of the biggest websites for furniture, home décor, and electronics that you can look at, even if you are not looking for a place that can offer you specialized credit.
However, Overstock does have a “bill me later” option during the checkout, which is where you can accept their terms of credit.
Overstock is one of the best places to get discount furniture from, meaning that if you are looking to furnish your home, this should be one of the first websites you look at.
There are many websites on this list that have a major focus with their products. Some websites focus on furniture, while others focus on clothing.
There has even been one website dedicated to food. Zzounds is another one of those unique websites in this manner.
Zzounds is a website where you can find just about anything you need in terms of audio and musical instruments.
From guitar and bass to drums and DJ materials, and even computer audio and recording, you will be able to find just about anything you need for your musical and audio interests. Their credit line is a four-payment plan that you will need to apply for.
LeaseVille is the final website on this list and it is certainly one that you will want to look at when you are searching for “buy now, pay later” websites.
From electronics to appliances and even fitness equipment and furniture, you will be able to apply for a credit line that has a spending limit of up to $3,500 that you can pay off in periodic installments.
Once the payment is finished, you will officially own the item. If you are worried about the website itself, there is nothing to worry about, as it boasts an A+ rating with the Better Business Bureau.
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