21 Best Online Catalogs with Instant Credit: Clothing, Shoes, Home Goods, etc – First Quarter Finance

Shopping online is already convenient, and it’s even easier when you can get instant credit so you can shop now, but pay later. there are many stores with online catalogs that offer instant credit, where you can request and receive a credit decision in seconds. We have compiled the list of instant credit catalogues: designs by Boscov, Figi, Ballard and many more. You can get instant online credit to buy clothes, shoes, household items and even food. Continue to learn more about getting instant credit when you shop at your favorite online catalogues.

online catalogs with instant credit

The following online catalogs offer instant credit that can be used immediately for online purchases. Some of these catalogs require a certain level of credit for approval, but there are also some without credit check financing.

Remember that instant credit doesn’t mean everyone is approved. Generally, you’ll need to meet the requirements to be approved for instant credit, whether it’s a minimum credit score, minimum income, or some other type of requirement.

Keep in mind that while you may be approved for instant credit, there are risks to opening a credit card and making purchases on credit. Credit cards and financing often charge interest (unless there’s an interest-free promotional period), which means you’ll pay a higher total cost for the item than if you bought without credit. Paying for your purchases quickly will help you avoid accumulating high interest rates. Keep in mind that late payments can also lead to late fees or hurt your credit score.

In addition, you may want to research the catalog you are considering applying for credit with before submitting your application. While we list many options here, each catalog varies in terms of their selection, customer service, product quality, etc. We rank each category starting with the best overall options.

clothing and footwear catalogues

boscov

• what boscov sells: clothing, shoes and accessories for men, women and children; jewelry and watches; beauty and bed & bathtub; furniture and home decoration
• instant credit program: boscov credit card[1]
• credit level required: not disclosed by Comenity Banco de Capital, which issues the card
• deferred payments? payments due at least 25 days after each billing period[2]
• down payment required: none[2]
• how to apply: complete boscov’s credit card application online, or apply in-store at any boscov location.
• start shopping

massages

• what masseys sells: clothing, shoes and accessories for men, women and children
• instant credit program: credit from masseys[ 3]
• credit level required: varies according to the amount of the purchase[4]
• deferred payments? first payment due 30 days after purchase[4]
• down payment required: if you have less credit, you may need to make a down payment.[5]
• how to apply: complete masseys credit online application
• start shopping

monroe & main

• what monroe & top sales: men’s and women’s clothing, shoes, jewelry and accessories
• instant credit program: monroe & major credit[6]
• credit level required: can work with low credit scores[6]
• deferred payments? varies by credit level[7]
• down payment required: those approved with lower credit scores may have a small down payment. otherwise, the first payment is due 30 days from the day you make the purchase.[7]
• how to apply: shop online at monroe & home and select “monroe & main credit” at checkout to complete the short application. most decisions are instant.[6]
• start shopping

k. jordan

• what k. jordan sells: women’s clothing, footwear and accessories
• instant credit program: k. jordan credit[8]
• credit level required: varies depending on the amount of the purchase[4]
• deferred payments? yes; first payment due 30 days after purchase[9][4]
• down payment required: if you have less credit, you may need to make a down payment.[ 10]
• how to apply: fill in k. jordan online application
• start shopping

easy mason payment

• what mason easy-pay sells: clothing, shoes and accessories for men, women and children
• instant credit program: mason easy payment credit[11]
• credit level required: varies by purchase amount[4]
• ¿ deferred payments? first payment is due 30 days after purchase[4]
• down payment required:varies based on credit score and history[12]
• how to apply: complete the mason easy pay online application
• start shopping

houseware catalogues

fair path

• what wayfair sells: housewares, furniture
• instant credit program: buy now, pay later with affirmation[ 13]
• credit level required: no established requirement; several factors are considered for approval.[14]
• deferred payments? varies by client[15]
• down payment required : may be required; otherwise, first payment is due one month after purchase date.[15]
• how to apply: shop online at wayfair and choose the “buy now” option, pay later with affirm” option at checkout. Credit decisions are made instantly.[13]
• start shopping

Walmart recently purchased Wayfair, so many have wondered if you can return Wayfair items to Walmart. our article explains this policy.

field gate

• what field door sells: housewares, furniture, rugs, curtains, kitchen, dining room
• instant credit program: credit field gate[16]
• credit level required: works with clients who do not have a credit history[16]
• ¿ deferred payments? yes; first payment due 30 days after purchase[16]
• down payment required: if you have less credit, you may need to make a down payment.[16]
• how to apply: shop online at the country gate and choose “open a new account” at checkout to complete the short application.[16]
• start shopping

box & barrel

• what box & keg sales: housewares, furniture, home decor
• instant credit program: box & barrel credit card[17]
• credit level required: no specific requirement[18]
• deferred payments? none [19 ]
• down payment required: none[19]
• how to apply: complete the online application [17]
• start shopping

ceramic barn

• what pottery barn sells: housewares, furniture, home decor, toys and gifts
• instant credit program: pottery barn credit card[20]
• credit level required: not disclosed by comenity capital bank, which issues the card
• ¿ deferred payments? yes; first payment due 30 days after date of purchase
• down payment required: none
• how to apply: complete the online application [20]
• start shopping

For more information on pottery barn, our article has more on the quality of furniture in pottery barn.

ballard designs

• what ballard designs sells: housewares, furniture, home décor, rugs and draperies
• instant credit program: ballard designs credit card[21]
• credit level required: not disclosed by comenity capital bank, which issues the card[21]
• deferred payments? varies by account[22]
• down payment required: none[23]
• how to apply: create a free ballard designs account and start online application[21]
• start shopping

casabrylane

• what brylanehome sells: housewares, furniture, rugs, draperies, kitchen and dining
• instant credit program: brylanehome platinum credit card[24]
• credit level required: not disclosed by comenity capital bank, which issues the card[24]
• deferred payments? payments due at least 25 days after the close of each billing cycle[25]
• down payment required: none[26]
• how to apply: complete the online credit account application[24]
• start shopping

multi-department catalogs

footprint

• what fingerhut sells: housewares, furniture, toys, electronics, clothing, jewelry, gifts and more
• credit program instant: fingerhut fetti line of credit, fingerhut freshstart loan[27][28]
• credit level required: no set requirements; several factors are considered for approval.[29]
• deferred payments? yes[27][28]
• down payment required: may be required; $30 initial payment for fingerhut freshstart[28][30]
• how to apply: complete the online application[27][28]
• start shopping

blackberries

• what stoneberry sells: housewares, electronics, apparel, jewelry, toys, sporting goods, lawn & garden
• credit program instant: default credit[31]
• credit level required: varies by purchase amount[4]
• deferred payments? first payment is due 30 days after purchase[4]
• down payment required:if you have less credit, you may need make a down payment.[32]
• how to apply: complete the online delinquency credit application
• start shopping

midnight velvet

• what midnight velvet sells: men’s and women’s clothing, shoes and accessories; jewelry, beauty items; fitness articles; household items
• instant credit program: midnight velvet credit[33]
• credit level required: works with clients who have no credit history[34]
• deferred payments? varies by credit level[34][33]
• down payment required: those approved with lower credit scores may be required to make a small down payment. otherwise, the first payment is due 30 days from the day you make the purchase.[34][33]
• how to apply: shop online at midnight velvet and choose “midnight velvet credit” at checkout to complete the short application. most decisions are instant.[33]
• start shopping

montgomery neighborhood

• what montgomery ward sells: housewares, furniture, electronics, health and beauty, toys and gifts, jewelry, bed and bath, men’s, women’s and children’s clothing , and more
• instant credit program: wards credit[35]
• credit level required: no specific requirements ;[36] establishes that “wards says ‘yes’ when others say ‘no’”[35]
• deferred payments? varies according to solvency[37]
• Down Payment Required: If you have lower credit, you may need to make a down payment. for other accounts, the first payment is due 30 days from the date of purchase.[37]
• how to apply: shop online at montgomery ward and choose “wards credit” at checkout to fill out the short application. most decisions are instant.[35]
• start shopping

seventh avenue

• what seventh avenue sells: housewares, furniture, electronics, toys and gifts, health and beauty
• instant credit program : 7th Track Credit[38]
• Required Credit Level: Approval is based on credit history, not credit score[39][ 40]
• deferred payments? varies by credit level[40]
• down payment required: those approved with scores Lower creditors may have to make a down payment. otherwise, the first payment is due 30 days from the day you make the purchase.[40]
• how to apply: shop online at seventh avenue and choose ” 7th Avenue Credit” at checkout to complete the short application. most decisions are instant, although approval can take up to 24 hours.[38]
• start shopping

food catalogs

williams-sonoma

• what williams-sonoma sells: food/gifts including meats and cheeses, entrees and side dishes, breakfast, dessert, cooking oils, spices, beverages, pasta and ingredients for to bake; cooking and baking utensils; kitchen appliances; household items and more
• instant credit program: williams sonoma credit card[41]
• credit level required: no requirements specified [42]
• deferred payments? billing cycle begins on approval date; payments are due at the end of each billing cycle.[42]
• down payment required: none[42]
• how to apply: complete the online credit application.[41]
• start shopping

the tender steak

• what the tender steak sells: meats, side dishes, desserts and kitchen items
• instant credit program: the steak tender credit plan[43]
• credit level required: works with clients who do not have a credit history[44]
• deferred payments ? yes; first payment due 30 days after purchase[44]
• down payment required: those approved with lower credit scores may be required to make a down payment. [44]
• how to apply: shop online at the tender file and choose “open a new account” at checkout to complete the short application.[44] ]
• start shopping

figures

• what figi’s sells: food giveaways and food packages, including meats and cheeses, baked goods, candy, nuts, and snacks
• instant credit program: figi credit[45]
• credit level required: no specific requirements[46]
• deferred payments? yes; available for some clients[47]
• down payment required: varies by client[46]
• how to apply: Shop online at Figi’s and choose “Figi Credit” at checkout to complete the short application. most decisions are instant, although approval can take up to 24 hours.[45]
• start shopping

the Swiss colony

• what the Swiss colony sells: gift food and food packages, including meats and cheeses, baked goods, sweets, nuts and snacks
• instant credit program: swiss colony credit[48]
• credit level required: works with clients who have no credit history[49]
• deferred payments? yes; first payment due 30 days after purchase[49]
• down payment required: those approved with lower credit scores may be required to make a down payment.[ 49]
• How to apply: Shop online at the Swiss colony and choose “open a new account” at checkout to complete the short application.[49]
• start shopping

wisconsin cheesemaker

• what the wisconsin cheeseman sells: gift foods and food packages, including meats and cheeses, bakery items, candy, nuts, and snack foods
• instant credit program: the wisconsin cheeseman credit plan[50]
• level of credit required: works with clients who have no credit history[51]
• deferred payments? yes; first payment due 30 days after purchase[51]
• down payment required: those approved with lower credit scores may be required to make a down payment .[51]
• How to apply: shop online at wisconsin cheeseman and choose “create a wisconsin cheeseman credit account” at checkout to complete the short application . approval can take up to 24 hours.[50]
• start shopping

For even more catalog options, including those that don’t offer instant credit approval, check out our articles on buy now, pay later clothing catalogs, kids’ catalogs, and choosing and uploading catalogs.