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You can apply for credit from Fingerhut through the application form on the retailer’s site. Depending on your credit profile, you may get access to a Fingerhut FreshStart® Credit Account, which is essentially an installment loan.
The Fingerhut FreshStart® Credit Account allows you to buy items from Fingerhut and pay them off over six or eight months, but you’ll have to make a down payment.
No annual fee.
Similar accounts charge a monthly or annual fee, but you don’t have to worry about paying either to keep this account open.
You may qualify with a lower credit score.
If your credit has seen better days, you may still be approved for a Fingerhut FreshStart® Credit Account. The program is designed for those seeking to improve their credit scores, and some customers have said they were approved with no credit history. Of course, approval is never guaranteed.
Depending on your purchase volume, you could have a low monthly payment if you apply and are approved for a Fingerhut FreshStart® Credit Account. Accounts are issued by WebBank, who determines eligibility and qualifications for the terms of credit.
Once you make a one-time purchase of $50 or more on Fingerhut, you’ll need to make a $30 down payment. Afterward, you’ll pay off the purchase in six to eight monthly payments, including finance charges.
This is an example payment structure from Fingerhut’s terms and conditions.
Cash price of product
Terms of repayment
6 monthly payments of $3.63
6 monthly payments of $12.71
According to Fingerhut, these are estimated monthly minimum payments. Your actual payments may be different after you’re approved for your credit account.
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As soon as you’re approved, you can begin using your account.
Reports to credit bureaus.
Fingerhut reports your payment history to all three credit bureaus. This can help you grow your credit score and build your buying power.
You can get all of the information needed from the Fingerhut website before you apply.
You’re at least 18 years old.
You have a valid Social Security number.
Your name and current residential address.
Your phone number and email address.
Your date of birth and Social Security number.
Amount of available income.
What credit score do I need?
The Fingerhut FreshStart® Credit Account is designed for customers who are rebuilding credit. You won’t find a specified minimum credit score on Fingerhut’s website.
What do customers say about the Fingerhut FreshStart® Credit Account?
Many customers say they’ve seen their credit scores increase after using the Fingerhut FreshStart® Credit Account. However, some customers mention it’s important to make payments on time to not jeopardize the chances to move up to a WebBank/Fingerhut Advantage Credit Account.
Fingerhut’s parent company, Bluestem Brands, Inc., has a B+ ranking with the Better Business Bureau and is accredited. Bluestem Brands, Inc., at the time of writing, has over 2,400 customer complaints regarding difficulty with making payments, finance charges, unsolicited marketing and poor-quality merchandise.
How to apply for the Fingerhut FreshStart® Credit Account
Making payments on time gives you a chance at graduating to the WebBank/Fingerhut Advantage Credit Account.
Late payments come with fees of up to $14.90. Returned payments come with fees of up to $25.
Contact customer service.
If you have any questions, you can call Fingerhut customer service at 800-208-2500 — Monday through Friday, 8 a.m. to 8 p.m. CT.
If you’re looking to buy merchandise while potentially making low monthly payments, the Fingerhut FreshStart® Credit Account could be an asset. As with any credit card or line of credit, read the fine print and shop around to find a card that fits your spending habits.
Frequently asked questions about the Fingerhut FreshStart® Credit Account
You may qualify for this option after you apply for a Fingerhut account. Unfortunately, you won’t know beforehand whether you qualify.
You may have a better chance of being approved for this credit account than an unsecured card. Typically, providers want to take on customers who have good credit. The WebBank/Fingerhut Advantage Credit Account might offer better chances of approval even if you have less-than-stellar credit.
You could consider a secured credit card or a store credit card, which might help you improve your credit score.
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