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Fingerhut credit accounts

Build credit while you shop for almost anything.


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Fingerhut is an online retailer selling name-brand products in categories such as electronics, clothing, toys, health, beauty and more. You can purchase items from the site and pay for them over time with a Fingerhut credit account.

Two things may happen when you apply through the retailer’s site to become a Fingerhut member:

  • You’ll be approved for the WebBank/Fingerhut Advantage Credit Account.
  • If your credit profile doesn’t qualify for a WebBank/Fingerhut Advantage Credit Account, you’ll be processed for a Fingerhut FreshStart® Credit Account. As always, approval is never guaranteed.

Fingerhut reports your payment history to the three major credit bureaus — Experian, Equifax and TransUnion. If your credit isn’t where you want it to be, a Fingerhut credit account may help build it.

Fingerhut credit accounts and how they work

Fingerhut offers two credit products. Depending on your credit profile, you may be approved for the WebBank/Fingerhut Advantage Credit Account or the Fingerhut FreshStart® Credit Account.

WebBank/Fingerhut Advantage Credit Account

WebBank/Fingerhut Advantage Credit Account

The perks

  • No annual fee. You can join Fingerhut without paying a membership fee.
  • Build credit. Fingerhut reports your payment history to the three major credit bureaus, which can help you build your credit when you make payments on time and in full.
  • Potentially low monthly payments. Depending on your account balance, you might owe just a few dollars each month to pay off your purchases.

The WebBank/Fingerhut Advantage Credit Account is a line of credit you can use with Fingerhut and select partners. You can spend up to your credit limit and pay off your purchases over time. Minimum payments are determined based on your Fingerhut balance. Here are a few ranges of account balances and their estimated minimum payments.

If your account balance is…Your minimum payment is…
Up to $6.98100% of balance
$6.99 to $44.99$6.99
$45.00 to $69.99$7.99
$70.00 to $99.99$8.99
$100.00 to $124.99$10.99

Fingerhut FreshStart® Credit Account

Fingerhut FreshStart® Credit Account

The perks

  • No annual fee. You won’t have to pay a membership fee to get started with Fingerhut.
  • Potential Fingerhut credit line. If you pay off your account with no derogatory marks, you could qualify for the WebBank/Fingerhut Advantage Credit Account.
  • Potentially low monthly payments. You could pay just a few dollars a month while paying off your purchases.

The Fingerhut FreshStart® Credit Account is an installment loan. If you’re approved for it, you can get it by purchasing an item worth at least $50 from the Fingerhut store and making a $30 down payment. Over the next six to eight months you’ll pay off the remainder of the item’s balance — including finance charges. If you pay off the purchase within six months with no late payments, you can potentially graduate to a WebBank/Fingerhut Advantage Credit Account.

Here’s an example payment table from Fingerhut’s terms and conditions:

Cash price of product$50$100
Down payment$30$30
Finance charge$1.79$6.25
Terms of repayment6 monthly payments of $3.636 monthly payments of $12.71

Compare Fingerhut products

Name Product Filter values Rewards Purchase APR Annual fee
WebBank/Fingerhut Advantage Credit Account
29.99% fixed
Build your credit history with low monthly payments.
Fingerhut FreshStart® Credit Account
29.99% fixed
Get access to purchase items in the Fingerhut store with no overlimit fees.

Compare up to 4 providers

How to apply for a Fingerhut product

  1. Go to the provider's site and click Apply now.
  2. Fill out the application form with your personal details. Required information includes your address, annual income and Social Security number.
  3. Look over your application and submit it.

Typical features and benefits of a Fingerhut credit account

  • Credit reporting. Fingerhut says it reports your payment history to credit bureaus. This can help you increase your credit score.
  • No annual fee. With other online retailers, you may pay membership fees to buy products.
  • Range of monthly payments. You might receive a low monthly minimum payment depending on your purchase volume.
  • Quick credit decision. Once you apply for a Fingerhut account, you’ll typically receive a decision almost immediately.
  • Get started quickly. After you’re approved, you can typically start buying products right away.

See offers for cards from other brands

CardMatch™ from

  • Find card offers you are more likely to qualify for without impacting your credit score.
  • Save time by comparing matched offers from multiple partner banks.
  • You may be matched to special offers based on your credit profile.
  • See your matched offers in less than 60 seconds.
  • Get matched to the card feature that's right for you. Find cards with low interest, cash back, balance transfers, and travel rewards.
  • Users may not be matched with all offers or banks. Matches are based on a user's credit profile. See the CardMatch terms and conditions for more details.
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How does Fingerhut keep my credit card information secure?

Fingerhut’s application is secured by an SSL certificate from GeoTrust, a leading certificate provider. According to Fingerhut, it uses the “latest tools and technology to protect your personal information.”

Fingerhut adheres to the policies of the Direct Marketing Association Privacy Promise. The company won’t share your information with other companies if you opt out.

Full list of Fingerhut credit cards

Bottom line

With Fingerhut’s credit options you can shop over 450,000 products online and pay them off in monthly payments. What’s more, Fingerhut can help you build credit, as it reports your payment history to the three major credit bureaus.

But if you’re not sure whether Fingerhut’s credit products would be the right choice for your situation, compare other store cards for bad credit.

Frequently asked questions

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8 Responses

  1. Default Gravatar
    JasonNovember 19, 2019

    Can I check my Fingerhut order with my customer number?

    • Avatarfinder Customer Care
      JoshuaNovember 19, 2019Staff

      Hi Donna,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      The customer number is helpful, but it is not required to check your order. If you have provided Fingerhut your email address, they will send you an email with your tracking details when your order ships. You may also view the status of your order by signing in to your account and going to My Orders on the left side. You can then click on Order History.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    RogerJune 17, 2019

    Can’t get into my account. Please help.


    • Avatarfinder Customer Care
      JeniJune 20, 2019Staff

      Hi Roger,

      Thank you for getting in touch with Finder.

      Kindly get in touch with Fingerhut directly to get further assistance on getting into your account. You may also try to click on Forgot Your Password? link on the member login page so you may update your password and get into your account.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Default Gravatar
    SandraOctober 13, 2018

    I stay in United state but have my husband working from Nigeria, will like to know if can shop for him directly from fingerhut store to nigeria and it takes how many days via FedEx or which of the courier services available at your store?.. Thank you

    • Avatarfinder Customer Care
      JoshuaOctober 17, 2018Staff

      Hi Sandra,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Upon checking, I can’t find any indication that Fingerhut do international shipping. If this is the case, then what you can do is buy the item and ship it using a third-party courier company like FedEx.

      With FedEx, you can expect to receive your packages within 2 to 4 days if you use the express ship box. If you use the economy shipping method, you can expect the package to reach your husband between 5 to 10 days.

      There are also other courier services that you might want to check.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  4. Default Gravatar
    CorinaSeptember 20, 2018

    Can i order from other websites usi g the fingerhut webbank catd?

    • Avatarfinder Customer Care
      JhezSeptember 20, 2018Staff

      Hello Corina,

      Thank you for your comment.

      Fingerhut credit was designed to be used for Fingerhut merchandise, however, an additional feature of the Fingerhut credit accounts is the chance to use spending power outside of Fingerhut’s catalogue and website. Among the select partners that honour Fingerhut credit accounts are florists and insurance. You may refer to the Fingerhut’s website to see their Selected Partners.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


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