23 Online Catalogs with Instant Credit: Clothing, Shoes, Home Goods, etc

Shopping online is already convenient, and it’s even easier when you can get instant credit so that you can buy now, but pay later. There are many stores with online catalogs that offer instant credit, where you can apply for and receive a credit decision in seconds. We’ve compiled the list of instant credit catalogs — Boscov’s, Figi’s, Ballard Designs, and many more. You can get instant online credit to buy clothes, shoes, home goods, and even food. Continue on to find out more about how to get instant credit when you shop from your favorite online catalogs.

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 credit level for approval, but there are also some with no credit check financing.

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

Be aware 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 is a no-interest promotional period), meaning you’ll pay a higher total cost for the item than you would when buying without credit. Paying off your purchases quickly will help you avoid high interest accrual. Keep in mind that missed payments can also lead to late fees or damage your credit score.

Additionally, you may want to research the catalog you’re considering applying for credit with before submitting your application. While we’ve listed many options here, each catalog varies in terms of its selection, customer service, product quality, etc. We’ve ordered each category starting with the best overall options.

Clothing and Shoe Catalogs

Boscov’s

• What Boscov’s sells: Men’s, women’s, and children’s clothing, shoes, and accessories; jewelry and watches; beauty and bed & bath; furniture and home decor
• Instant credit program: Boscov’s Credit Card^[1]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[1]
• Deferred payments? Yes; first payment due 30 days from purchase^[1]
• Down payment required: None^[1]
• How to apply: Fill out the online credit application^[1]
• Start shopping

Masseys

• What Masseys sells: Men’s, women’s, and children’s clothing, shoes, and accessories
• Instant credit program: Masseys Credit^[2]
• Credit level required: Fair^[2]
• Deferred payments? Varies by credit level^[2]
• 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.^[2]
• How to apply: Shop online at Masseys and choose “Masseys Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[2]
• Start shopping

Monroe & Main

• What Monroe & Main sells: Men’s and women’s clothing, shoes, jewelry, and accessories
• Instant credit program: Monroe & Main Credit^[3]
• Credit level required: Fair^[3]
• Deferred payments? Varies by credit level^[3]
• 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.^[3]
• How to apply: Shop online at Monroe & Main and choose “Monroe & Main Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[3]
• Start shopping

K. Jordan

• What K. Jordan sells: Women’s clothes, shoes, and accessories
• Instant credit program: K. Jordan Credit^[4]
• Credit level required: Fair^[5]
• Deferred payments? Yes; first payment due 30 days from purchase^[5]
• Down payment required: None^[5]
• How to apply: Shop online at K. Jordan and choose “K. Jordan Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[4]
• Start shopping

Mason Easy-Pay

• What Mason Easy-Pay sells: Men’s, women’s, and children’s clothing, shoes, and accessories
• Instant credit program: Mason Easy-Pay Credit^[6]
• Credit level required: Fair^[6]
• Deferred payments? Varies by credit level^[6]
• 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.^[6]
• How to apply: Shop online at Mason Easy-Pay and choose “Mason Easy-Pay Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[6]
• Start shopping

Home Goods Catalogs

Wayfair

• What Wayfair sells: Home goods, furniture
• Instant credit program: Buy Now, Pay Later with Affirm^[7]
• Credit level required: All credit levels considered; most customers approved^[8]
• Deferred payments? Varies by credit level^[8]
• 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.^[8]
• How to apply: Shop online at Wayfair and choose the “Buy Now, Pay Later with Affirm” option at checkout. Credit decisions are made instantly.^[7]
• Start shopping

Wayfair was bought by Walmart somewhat recently so many have wondered if you can return Wayfair items to Walmart. Our article explains this policy.

Country Door

• What Country Door sells: Home goods, furniture, rugs, draperies, kitchen, dining
• Instant credit program: Country Door Credit^[9]
• Credit level required: Fair^[9]
• Deferred payments? Yes; first payment due 30 days from purchase^[9]
• Down payment required: None^[9]
• How to apply: Shop online at Country Door and choose “Country Door Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[9]
• Start shopping

Crate & Barrel

• What Crate & Barrel sells: Home goods, furniture, home décor
• Instant credit program: Crate & Barrel Credit Card^[10]
• Credit level required: Fair^[10]
• Deferred payments? Yes; first payment due 30 days from purchase^[10]
• Down payment required: None^[10]
• How to apply: Fill out the online application^[10]
• Start shopping

Pottery Barn

• What Pottery Barn sells: Home goods, furniture, home décor, toys, and gifts
• Instant credit program: Pottery Barn Credit Card^[11]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[12]
• Deferred payments? Yes; first payment due 30 days after purchase date^[12]
• Down payment required: None^[12]
• How to apply: Fill out the online application^[11]
• Start shopping

For more about Pottery Barn, our article has more about the furniture quality at Pottery Barn.

Ballard Designs

• What Ballard Designs sells: Home goods, furniture, home décor, rugs, and draperies
• Instant credit program: Ballard Designs Credit Card^[13]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[13]
• Deferred payments? Yes; first payment due 30 days after purchase date^[13]
• Down payment required: None^[13]
• How to apply: Create a free Ballard Designs account and begin the online application^[13]
• Start shopping

BrylaneHome

• What BrylaneHome sells: Home goods, furniture, rugs, draperies, kitchen, and dining
• Instant credit program: BrylaneHome Platinum Credit Card^[14]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[14]
• Deferred payments? Yes; first payment due 30 days after purchase date^[14]
• Down payment required: None^[14]
• How to apply: Fill out the online credit account application^[14]
• Start shopping

Multi-Department Catalogs

Fingerhut

• What Fingerhut sells: Home goods, furniture, toys, electronics, clothing, jewelry, gifts, and more
• Instant credit program: Fingerhut Credit Line, Fingerhut FreshStart loan^[15][16]
• Credit level required: Fair for the credit line; bad credit/no credit typically approved for FreshStart loan^[15][16]
• Deferred payments? No^[15][16]
• Down payment required: First monthly payment due at time of purchase for credit line; minimum $30 down payment for FreshStart loan^[15][16]
• How to apply: Fill out the online application^[15][16]
• Start shopping

Stoneberry

• What Stoneberry sells: Home goods, electronics, apparel, jewelry, toys, sports items, lawn, and garden
• Instant credit program: Stoneberry Credit^[17]
• Credit level required: Fair^[17]
• Deferred payments? Varies by credit level^[17]
• 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.^[17]
• How to apply: Shop online at Stoneberry and choose “Stoneberry Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[17]
• Start shopping

Gettington

• What Gettington sells: Home goods, electronics, clothing, jewelry, automotive, toys, and gifts
• Instant credit program: Gettington Credit^[18]
• Credit level required: Fair^[18]
• Deferred payments? No^[18]
• Down payment required: First monthly payment due at time of purchase^[18]
• How to apply: Fill out the online application^[18]
• Start shopping

Midnight Velvet

• What Midnight Velvet sells: Men’s and women’s clothing, shoes, and accessories; jewelry, beauty items; fitness items; home goods
• Instant credit program: Midnight Velvet Credit^[19]
• Credit level required: Fair^[20]
• Deferred payments? Varies by credit level^[20]
• 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.^[20]
• How to apply: Shop online at Midnight Velvet and choose “Midnight Velvet Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[19]
• Start shopping

Montgomery Ward

• What Montgomery Ward sells: Home goods, furniture, electronics, health and beauty, toys and gifts, jewelry, bed and bath, clothing for men, women, and children, and more
• Instant credit program: Wards Credit^[21]
• Credit level required: Fair^[21]
• Deferred payments? Varies by credit level^[21]
• 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.^[21]
• How to apply: Shop online at Montgomery Ward and choose “Wards Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[21]
• Start shopping

Seventh Avenue

• What Seventh Avenue sells: Home goods, furniture, electronics, toys and gifts, health and beauty
• Instant credit program: Seventh Avenue Credit^[22]
• Credit level required: Fair^[22]
• Deferred payments? Varies by credit level^[22]
• 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.^[22]
• How to apply: Shop online at Seventh Avenue and choose “Seventh Avenue Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[22]
• Start shopping

Food Catalogs

Williams-Sonoma

• What Williams-Sonoma sells: Food items/gifts including meats and cheeses, entrees and sides, breakfast, dessert, cooking oils, spices, beverages, pasta, and baking ingredients; cookware and bakeware; kitchen appliances; home goods and more
• Instant credit program: Williams Sonoma Credit Card^[23]
• Credit level required: Not disclosed by Comenity Capital Bank, which issues the card^[24]
• Deferred payments? Yes; first payment due 30 days after purchase date^[24]
• Down payment required: None^[24]
• How to apply: Fill out the online credit application^[23]
• Start shopping

The Tender Filet

• What The Tender Filet sells: Meats, side dishes, desserts, and kitchen items
• Instant credit program: The Tender Filet Credit Plan^[25]
• Credit level required: Fair^[25]
• Deferred payments? Yes; first payment due 30 days from purchase^[25]
• Down payment required: None^[25]
• How to apply: Shop online at The Tender Filet and choose the “Tender Filet Credit Plan” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[25]
• Start shopping

Figi’s

• What Figi’s sells: Gift food and food packages, including meats and cheeses, bakery food, candy, nuts, and snacks
• Instant credit program: Figi’s Credit^[26]
• Credit level required: Fair^[26]
• Deferred payments? Yes; first payment due 30 days from purchase^[26]
• Down payment required: None^[26]
• How to apply: Shop online at Figi’s and choose “Figi’s Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[26]
• Start shopping

The Swiss Colony

• What The Swiss Colony sells: Gift food and food packages, including meats and cheeses, bakery food, candy, nuts, and snacks
• Instant credit program: Swiss Colony Credit^[27]
• Credit level required: Fair^[27]
• Deferred payments? Yes; first payment due 30 days from purchase^[27]
• Down payment required: None^[27]
• How to apply: Shop online at The Swiss Colony and choose “Swiss Colony Credit” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[27]
• Start shopping

Wisconsin Cheeseman

• What Wisconsin Cheeseman sells: Gift food and food packages, including meats and cheeses, bakery food, candy, nuts, and snacks
• Instant credit program: The Wisconsin Cheeseman Credit Plan^[28]
• Credit level required: Fair^[28]
• Deferred payments? Yes; first payment due 30 days from purchase^[28]
• Down payment required: None^[28]
• How to apply: Shop online at Wisconsin Cheeseman and choose the “Wisconsin Cheeseman Credit Plan” at checkout to fill out the short application. Most decisions are instant, although approval may take up to 24 hours.^[28]
• Start shopping

For even more catalog choices, including those that do not offer instant credit approval, see our articles about buy now, pay later clothing catalogs, kids catalogs, and choose and charge catalogs.