Beyond Fingerhut: 19 Comparable Sites for Affordable Payments

Top 19 Websites Like Fingerhut for Affordable Payment Options

For shoppers seeking flexible payment plans without stringent credit checks, Fingerhut has been a go-to. However, several alternatives offer similar or even better terms. Here’s a curated list of 19 websites where you can shop now and pay later, catering to various credit backgrounds:

1. Aarons

Overview: A rent-to-own retailer offering furniture, electronics, and appliances.
Key Features:

• Lease agreements with weekly, biweekly, or monthly payments.
• Option to upgrade items during the lease.
• In-store and online delivery.
  Why It’s Great: Ideal for furnishing a home without long-term debt.

2. FlexShopper

• Products: Furniture, electronics, appliances.
• Payment Options: Lease-to-own with weekly/biweekly payments for a variety of products, with flexible payment plans.
• Details: Soft credit check required. Higher overall costs but flexible terms for subprime credit. No long-term commitment, and easy online application.

3. OpenSky

• Products: General merchandise via their catalog.
• Payment Options: Credit account with a 35–35–200 security deposit.
• Details: No credit check; reports payments to credit bureaus to help rebuild credit history.

4. CreditShop

• Products: Electronics, tools, home essentials.
• Payment Options: Monthly installments over 12–24 months.
• Details: Targets low-credit shoppers with higher fees (up to 35% APR).

5. QVC (Easy Pay)

• Products: Fashion, beauty, electronics.
• Payment Options: Split payments into 3–5 months with no interest.
• Details: No credit check required; seamless integration with QVC’s shopping platform.

6. HSN (Flex Pay)

• Products: Similar to QVC, including home and tech products.
• Payment Options: 2–6 monthly payments.
• Details: Interest-free if paid on time; instant approval at checkout.

7. Aarons

• Products: Furniture, electronics, appliances.
• Payment Options: Lease-to-own with weekly, biweekly, or monthly terms.
• Details: No credit check but higher total costs; includes free delivery.

8. ShopHQ

• Products: Jewelry, fashion, home décor.
• Payment Options: 3–5 month installments via “Pay Now.”
• Details: Requires credit check; offers promotional 0% APR periods.

9. Layaway.com

• Products: Electronics, toys, appliances.
• Payment Options: Traditional layaway (pay over time, receive item after full payment).
• Details: No credit check or interest; $5 setup fee and 90-day payment window.

10. Acima Credit

• Products: Partners with retailers for furniture, electronics, etc.
• Payment Options: Lease-to-own via a virtual card for online purchases.
• Details: No credit check; flexible terms but higher fees for low-credit shoppers.

11. Perpay:

• Products: Perpay allows you to shop for electronics, furniture, and more, with payments automatically deducted from your paycheck.
• Key Features: Helps build credit and offers a convenient payment method.
• Why it’s a good alternative: Paycheck deduction makes budgeting easy, and they help build credit.

12. LeaseVille:

• Products: LeaseVille specializes in lease-to-own options for furniture, electronics, and appliances.
• Key Features: No credit needed, and flexible lease terms.
• Why it’s a good alternative: Great for people with poor or no credit, that need larger home goods.

13. Ginny’s:

• Products: Ginny’s specializes in home goods, kitchenware, and seasonal decor, with a focus on affordable installment payments.
• Key Features: They offer a variety of unique and hard-to-find items.
• Why it’s a good alternative: Specializes in home goods, and has a unique selection.

14. LendYou:

• Products: LendYou is not a retail store, but a service that connects you with lenders who may offer short-term personal loans.
• Key Features: Can be used for unexpected expenses or larger purchases.
• Why it’s a good alternative: Provides access to funds if you need cash quickly, allowing for flexible purchasing. (Use with caution, and understand the terms of any loan agreement)

15. Afterpay/Klarna/Affirm:

• Products: These services are integrated into many online retailers’ checkout processes, allowing you to split purchases into interest-free or low-interest installments.
• Key Features: Easy to use, and available at a wide range of online stores.
• Why it’s a good alternative: Very widespread, and available at many online retailers.

16. Gettington:

• Products: Gettington offers a wide range of products, from electronics and home goods to apparel, with manageable monthly payments.
• Key Features: They often have introductory offers and a user-friendly online platform.
• Why it’s a good alternative: Wide selection, and similar credit based purchasing power.

17. Seventh Avenue:

• Products: Like Fingerhut, Seventh Avenue focuses on home decor, furniture, and personal care items, with a focus on installment plans.
• Key Features: They frequently feature seasonal catalogs and special promotions.
• Why it’s a good alternative: Strong focus on home goods, and a long history of catalog sales.

18. Montgomery Ward:

• Similarities: A classic retailer with a modern online presence, Montgomery Ward offers a wide variety of products and flexible payment options.
• Key Features: They have a “Wards Credit” program that allows for manageable monthly payments.
• Why it’s a good alternative: Recognizable brand, and a wide range of available products.

19. Stoneberry:

• Similarities: Stoneberry provides a diverse selection of products, including electronics, clothing, and home essentials, with easy payment plans.
• Key Features: They focus on accessibility and affordability for their customers.
• Why it’s a good alternative: Focus on providing affordable goods to their customers.

Beyond Fingerhut: 10 Websites Offering Affordable Payment Plans

For those seeking to purchase essential items or indulge in a little retail therapy without breaking the bank, flexible payment plans are a lifeline. Fingerhut has long been a go-to for many, but it’s far from the only option. If you’re looking for alternatives that offer similar affordability and payment flexibility, here’s a list of 10 websites to explore:

Important Considerations:

• Interest Rates and Fees: Always carefully review the terms and conditions of any payment plan, including interest rates, fees, and potential penalties.
• Credit Impact: Some payment plans may impact your credit score, so be sure to understand the implications before you apply.
• Budgeting: Only purchase what you can realistically afford to pay back, to avoid financial strain.

By exploring these alternatives, you can find the payment plan that best suits your needs and budget, making your desired purchases more accessible.

Conclusion
Whether you’re rebuilding credit or seeking budget-friendly payment plans, these Fingerhut alternatives provide diverse options. From lease-to-own (FlexShopper, Aarons) to installment plans (QVC, HSN) and credit-building tools (Zibby, OpenSky), each platform caters to different needs. Always compare fees, APRs, and terms to find the best fit for your financial situation. Happy shopping!