The best online catalogs with instant credit for bad credit that require fair to no specific credit level are discussed in the article below. You can get your favorite items by getting instant credit and getting the quickest approvals here!
Online Catalogs with Instant Credit for Bad Credit
| Online Catalogs | Credit Program | Credit Level | Down Payment |
| Masseys | Masseys Credit | Fair | Small payment for lower credit; first payment due 30 days from purchase |
| Pottery Barn | Pottery Barn Credit Card | – | First payment due 30 days from the purchase |
| K.Jordan | K.Jordan Credit | Fair | First payment due 30 days from the purchase |
| Crate & Barrel | Crate & Barrel Credit Card | Fair | First payment due 30 days from the purchase |
| Mason Easy-Pay | Mason Easy-Pay Credit | Fair | Small payment for lower credit; first payment due 30 days from purchase |
| Wayfair | Affirm | All credit levels | Small payment for lower credit; first payment due 30 days from purchase |
| Ballard Designs | Ballard Designs Credit Card | – | First payment due 30 days from the purchase |
| Country Door | Country Door Credit | Fair | First payment due 30 days from the purchase |
| Monroe & Main | Monroe & Main Credit | Fair | Small payment for lower credit; first payment due 30 days from purchase |
| BrylaneHome | BrylaneHome Platinum Credit Card | Not disclosed | First payment due 30 days from the purchase |
| Fingerhut | Fingerhut credit line | Fair and bad credit | First payment due 30 days from the purchase |
| Stoneberry | Stoneberry Credit | Fair | Small payment for lower credit; first payment due 30 days from purchase |
| Gettington | Gettington Credit | Fair | First payment due at the purchase time |
| Midnight Velvet | Midnight Velvet Credit | Fair | Small payment for lower credit; first payment due 30 days from purchase |
| Seventh Avenue | Seventh Avenue Credit | Fair | Small payment for lower credit; first payment due 30 days from purchase |
| Figi’s | Figi’s Credit | Fair | First payment due 30 days from the purchase |
| The Swiss Colony | Swiss Colony Credit | Fair | First payment due 30 days from the purchase |
1. Masseys
Masseys buy now pay later online credit stores to allow you to shop from a wide selection of shoes, accessories, and clothing. The brand has been outfitting adventures and offering great deals to its customers.
The instant credit program can be availed using Masseys Credit. There is a slight requirement of the credit level which demands that you have at least fair credit. Once you apply, the decision is instant, and approval doesn’t take more than 24 hours.
The deferred payments vary by the credit level, and people with bad credit are required to make a small down payment. Also, the first payment is due 30 days after the purchase. You can shop online and choose Masseys Credit at checkout.
2. Fingerhut
Fingerhut is an American catalog selling items of all sorts including toys, furniture, gifts, jewelry, clothing, and much more. Also, the platform extends the credit to subprime workers making shopping affordable by offering credit accounts with low monthly payments.
The instant credit program can be availed using Fingerhut Credit Line or Fingerhut FreshStart Loan. You need to have a fair credit for the credit line, whereas, bad or no credit would work for FreshStart Loan.
It does not offer deferred payments. The first monthly payment is due at the time of purchase for the credit line. On the contrary, you have to make a minimum $30 down payment for the FreshStart loan. Just fill out the online application form to apply.
3. Stoneberry
Stoneberry lets you make large purchases from the top brands with easy approval and instant credit for bad credit. It is an online retailer that offers a buy now pay later credit plan where you can earn numerous benefits saving your money.
The instant credit program can be availed using Stoneberry Credit. You need to have at least a fair credit level to be eligible for the program and make your shopping experience wonderful.
The deferred payments vary by credit level. People having low credit scores might have to make a small down payment. Traditionally, the first payment is due 30 days after the purchase day. Shop online and choose Stoneberry credit at checkout.
4. Pottery Barn
Pottery Barn is a place everyone has heard of and stands out among its competitors even after all these years. Moreover, you can decorate your home by buying stuff from this home furnishing store chain and e-commerce company.
The instant credit program can be availed using the Pottery Barn Credit Card. Unlike other platforms, the credit level requirement is not disclosed by the Comenity Capital Bank for Pottery Barn instant credit.
It allows deferred payments, whereas the first payment is due 30 days after the time of purchase as per traditional criteria. There is no such requirement of making a down payment and you can fill out the online application form to apply. at
5. Boscov’s
Boscov’s is an independently owned chain of around 48 department stores located in various states and it sells an extensive variety of products including clothing items, accessories, shoes, beauty and bed, home décor, etc.
The instant credit program can be availed using Boscov’s Credit Card, which also offers exclusive perks. The credit level for people having bad credit is not disclosed by the Comenity Capital Bank which is responsible for issuing the card.
The first payment for one of these online catalogs with instant credit for bad credit is due 30 days from purchase. No need to make any down payment and you can fill out the credit application online.
6. Ginny’s
Ginny’s is a big name in the shopping industry and offers a wide variety of merchandise including electronics, furniture, clothing, and much more. it also offers a free print catalog if you order it through its official website.
The instant credit at Ginny’s can be availed using Ginny’s Credit. To be able to avail of it, you need to have a fair credit level. It charges no fee for the credit account and the APR ranges from 5.75% to 23.99%.
For a purchase of $100, you will only have to pay $10 per month. Whereas, if your purchase is up to $200 and $400, you can pay only up to $20 and $25 per month respectively.
7. K. Jordan
K. Jordan fashion makes you look your absolute best with the latest styles it has in the collection. Enjoy free shipping with them and find great deals on shoes, clothing items, accessories, and handbags that would bring spontaneity to your closet.
The instant credit program can be availed using the K. Jordan Credit. Also, you need to have a fair credit level that would elevate your chances of getting approved for instant credit. Unlike another buy now pay later programs, the approval here is instant and you get a decision within 24 hours.
The first payment is due 30 days after the purchase as per traditional criteria. On the other hand, you need not make any down payment. Shop online at the brand using K. Jordan credit at checkout to fill out a short application.
8. Crate & Barrel
Find all the home essentials such as small kitchen appliances, dinnerware to modern furniture at Crate & Barrel. You can also get contemporary pieces to finesse the aesthetics of your living area from here.
Moreover, the instant credit program can be availed using Crate & Barrel Credit Card. A fair credit level is required by the brand to help you get instant credit for bad credit to assist your purchase.
It allows deferred payments, whereas the first payment is due 30 days after the time of purchase as per traditional criteria. There is no such requirement of making a down payment and you can fill out the online application form to apply.
9. Mason Easy-Pay
Mason Easy-Pay helps the customers to purchase low monthly payments. It Is also one of the fashion brands that sell men’s, women’s, and children’s clothing, along with shoes and various intricate accessories.
The instant credit program can be availed using Mason Easy-Pay Credit. Since you are looking for instant credit, therefore certain rigid requirements in terms of credit level are necessary. If you have a fair credit level, then you are good to proceed with the application process.
The deferred payments vary by the credit level, and people with lower credit are required to make a small down payment. Traditionally, the first payment is due 30 days after the purchase. You can shop online and choose Mason Easy-Pay Credit at checkout to fill out a quick application.
10. Wayfair
One of the largest e-commerce companies in America that sell millions of products across its websites is Wayfair. You can get anything you want and also create the best home designs of all time with Wayfair.
The instant credit program can be availed using the Buy Now Pay Later with Affirm. One of the best things is that customers are approved within a gradient of all credit levels, without any rigid selection criteria.
The deferred payments vary by the credit level, and people with lower credit are required to make a small down payment. Traditionally, the first payment is due 30 days after the purchase. Shop online at Wayfair and choose Buy Now Pay Later with Affirm at checkout.
11. Ballard Designs
Style your indoor and outdoor space with products available in the Ballard Designs. You can get home furniture décor, rugs and draperies, lighting, and much more. Live your dream interior designs and get your hands on the online catalog that would help you decide better.
The instant credit program can be availed using the Ballard Designs Credit Card. There is no defined requirement for the credit level by Comenity Capital Bank which is the issuer of the card.
It allows deferred payments, whereas the first payment is due 30 days after the time of purchase as per traditional criteria. There is no such requirement of making a down payment and you can fill out the online application form and create free Ballard Designs too.
12. Country Door
Country Door is said to be a one-stop for all the farmhouse decorators. Getting your dream home items is bliss which Country Door offers with all the dedication. Whether it is rustic décor, furniture, quilts, rugs, dining, draperies, or whatnot, get all you need at Country Door.
The instant credit program can be availed using the Country Door Credit. To fulfill all your desires of decorating a perfect home, you need to make sure you are a fair credit level holder too.
It offers deferred payments, whereas the first payment is due 30 days after the time of purchase. You do not have to make any down payment. Just shop online and choose Country Door Credit at checkout to fill out the application form.
13. Monroe & Main
Monroe & Main is centralized for elegant fashion wear that would fit all sorts of occasions. The top categories of Monroe & Main include bottoms, dresses, tops, activewear, earthy comforts, and accessories of premium quality.
The instant credit program can be availed using Monroe & Main credit. To be able to get approved, make sure you have a fair credit level. The decisions are instant, so you won’t have to wait for a long stretch of hours.
The deferred payments vary by the credit level, and people with lower credit are required to make a small down payment. Also, the first payment is due 30 days after the purchase. You can shop online and choose Monroe & Main Credit at checkout to fill out a quick application.
14. BrylaneHome
Bring style and value to the forefront by purchasing décor items for your home from BrylaneHome. It offers furniture, curtains, drapes, blinds, shades, quilts, sheets, comforters, and all sorts of home furnishing items with attention to detail.
The instant credit program can be availed using the BrylaneHome Platinum Credit Card. The credit level is vague and hasn’t been revealed by Comenity Capital Bank yet.
It allows deferred payments, whereas the first payment is due 30 days after the time of purchase as per traditional criteria. Moreover, there is no such requirement of making a down payment and you can fill out the online credit account application.
15. Gettington
Gettington sells a range of home goods, jewelry, automotive, electronics, gifts, and toys. It also retails lifestyle items, art supplies, sporting goods, baby products, and much more on its platform.
The instant credit can be availed using the Gettington Credit. The credit level requirement is fair credit to be eligible.
It does not allow deferred payments, and the first payment is due at the time of purchase. You can fill out the online application form and get approved for instant credit.
16. Midnight Velvet
You can find a wide selection of shoes, home décor, women’s fashion, jewelry, fitness items, home goods, and much more at Midnight Velvet. It offers to buy now and pay later with its affordable credit plan too for the buyers.
The instant credit program can be availed using Midnight Velvet Credit here. Also, the credit level required here should be fair to prevent any hurdles in selection.
The deferred payments vary by credit level. People having low credit scores might have to make a small down payment. The first payment is due 30 days after the purchase day. Shop online and choose Midnight Velvet credit at checkout.
17. Montgomery Ward
Montgomery Ward is an American e-commerce company that sells electronics, health equipment, bed and bath, clothing items, toys, gifts, and beauty products.
The instant credit program can be availed using the Wards Credit hair. Among certain categories of credit, you must be a holder of a fair credit level to be eligible to apply.
The deferred payments vary by credit level. People having low credit scores might have to make a small down payment. Traditionally, the first payment is due 30 days after the purchase day. Shop online and choose Wards Credit at checkout.
18. Seventh Avenue
Seventh Avenue is a name in itself that offers an ultra-low process and a mixed selection of items. You can also purchase electronics, furniture, health items, beauty products, toys, and much more here.
The instant credit program can be availed using the Seventh Avenue Credit if you are a holder of a fair credit level. Most decisions here are instant i.e., within 24 hours.
The deferred payments vary by credit level. People having low credit scores might have to make a small down payment. The first payment is due 30 days after the purchase day. You can also shop online and choose Seventh Avenue Credit at checkout.
19. Figi’s
Figi’s is a hub for home items and food too. It is referred to as a direct-to-customer company specializing in meat, holiday gift baskets, candies, cheese, and other items.
The instant credit program can be availed using Figi’s Credit. You can only be eligible for it if you are a holder of a fair credit level, and nothing less than that.
It offers deferred payments, and the first payment is due 30 days after the purchase. There is no down payment required and you can shop online, choose Figi’s Credit to fill out the online credit application form.
20. The Swiss Colony
The Swiss Colony online catalogs with instant credit for bad credit is another option that you can lend your eyes on. It sells a variety of food items including meat, cheese bakery food, snacks, and nuts. To top it all. You can also get gift food and food packages here.
The instant credit program can be availed using the Swiss Colony Credit. To do so, you should have a fair credit level or say your credit score.
It offers deferred payments, and the first payment is due 30 days after the purchase. There is no down payment required and you can shop online, choose Swiss Colony Credit to fill out the online credit application form.
21. Wisconsin Cheeseman
One of the award-winning and best in local confections that sells handcrafted pastries, meats, and cheese is Wisconsin Cheeseman. Order what you want and use its credit plan for your bad credit.
The instant credit program can be availed using The Wisconsin Cheeseman Credit Plan. For that, it would be best if you have a fair credit level and nothing less than that.
It offers deferred payments, and the first payment is due 30 days after the purchase. Moreover, there is no down payment required and you can shop online, choose Wisconsin Cheeseman Credit Plan to fill out the online credit application form.
22. Williams-Sonoma
Williams-Sonoma is another category of online catalogs with instant credit for bad credit. It sells food items such as cooking oils, meat, entrees, cookware, bakeware, kitchen appliances, home décor stuff, baking ingredients, etc.
The instant credit program can be availed using Williams Sonoma Credit Card but unfortunately, the credit level hasn’t been revealed by Comenity Capital Bank.
It offers deferred payments, and the first payment is due 30 days after the purchase. There is no down payment required. You need to simply fill out the online credit application form.
23. The Tender Filet
The Tender Filet is a food catalog selling different categories of kitchen items, meats, desserts, seafood, side dishes, poultry, and more. Moreover, get an impressive meal as per the occasion and make use of the credit plans it has for its customers
The instant credit program can be availed using The Tender Filet Credit Plan. The credit level required for this program is a fair limit as per the eligibility requirement.
It offers deferred payments, and the first payment is due 30 days after the purchase. Moreover, there is no down payment required and you can shop online, choose Tender Filet Credit Plan to fill out the online credit application form.
Before You Go!
Getting approved for online catalogs with instant credit for bad credit can get easier if you successfully fulfill all the eligibility criteria. Although many of these online catalogs facilitate people who have fair credit, you should be ready for any circumstances since a decision is not guaranteed.
You can avoid actual interest by paying off your purchase at the allotted time and not missing any deadline. There is a purpose for payments in installments, and you can get the best out of it and save money by making on-time payments.
Miriam Caldwell is a dedicated & expert freelance writer to educate people about personal finance management and budgeting. She shared her knowledge and published the articles at TheBalance.com, GOBankingRates, and BlissfullyDomestic.com. Many financial institutes pick Caldwell as the brilliant source for educational personal finance content.
