If you love shopping but prefer breaking your payments into smaller chunks, you’re probably familiar with Fingerhut. It lets you buy now and pay later, making it easier to afford big purchases without stressing your wallet. But Fingerhut isn’t the only option out there. Plenty of other websites offer flexible payment plans, whether you’re shopping for furniture, electronics, clothes, or even gifts.

Let’s dive into 15 great alternatives to Fingerhut, explaining what makes each one special and why they might be the right fit for you.

1. Montgomery Ward

Montgomery Ward has been in the buy now, pay later (BNPL) game for over a century. They offer furniture, home décor, electronics, and more, all with affordable monthly payment plans through their own credit system.

Why You’ll Like It:

• Long history of reliable service
• Offers a wide variety of products
• Monthly payments with their store credit

2. Seventh Avenue

Seventh Avenue focuses on stylish home décor, furniture, and gifts. If you like decorating your space or finding unique home items, this is a great option.

What Makes It Stand Out:

• Flexible payment plans
• Great for furniture and home décor lovers
• Easy credit approval process

3. Miles Kimball

If you’re into personalized gifts, kitchen gadgets, and home décor, Miles Kimball is a fun alternative. They offer BNPL options similar to Fingerhut, making it easier to grab unique finds without paying upfront.

Why You Might Like It:

• Specializes in personalized gifts
• Flexible payment plans
• Great for home organization items

4. Walmart

Yes, Walmart! While it’s known for low prices, Walmart also offers BNPL options through services like Affirm and Klarna. Whether you’re buying electronics, groceries, or furniture, you can spread out payments.

What’s Great About Walmart BNPL:

• Huge product selection
• Available online and in stores
• Partnered with multiple BNPL providers

5. Harriet Carter

Harriet Carter focuses on unique gifts, home solutions, and personal care products. Their flexible credit plans make it easy to shop for practical household items without immediate full payment.

Why It’s Worth Considering:

• Affordable home essentials
• BNPL options available
• Personalized and practical gifts

6. Kohl’s

Kohl’s is a well-known department store offering everything from clothing to electronics. They have a “Buy Now, Pay Later” option through Affirm, making it easier to budget your purchases.

Why You Should Check It Out:

• Frequent discounts and deals
• Wide variety of products
• Flexible payment plans via Affirm

7. Home Shopping Network (HSN)

HSN is great for finding daily deals on beauty, electronics, and home goods. Their Easy Pay system allows you to split payments into smaller amounts over time.

What You’ll Love:

• Great for TV shoppers who love deals
• Installment payments without interest
• Large variety of products

8. Stoneberry

Stoneberry works just like Fingerhut, offering flexible credit terms on electronics, fashion, and more. Payments can be as low as $5.99 per month.

What Stands Out:

• Low monthly payments
• Easy credit approval
• Wide product range

9. Bed Bath & Beyond

Though known for home goods, Bed Bath & Beyond partners with BNPL services to let you split payments on furniture, kitchen gadgets, and décor.

Why Consider It?

• Frequent sales and discounts
• Flexible payment options
• Great for home essentials

10. ShopHQ

ShopHQ specializes in home appliances, beauty products, and jewelry. They offer BNPL plans to help customers spread out costs on bigger-ticket items.

Why Shop Here:

• Niche product selection
• Installment payments available
• Personalized shopping experience

11. Afterpay

Afterpay isn’t a store but a BNPL service that partners with many retailers. It lets you shop and split your payment into four interest-free installments.

What’s Good About Afterpay:

• No interest if paid on time
• Accepted at thousands of stores
• Ideal for fashion, beauty, and home goods

12. Klarna

Klarna works like Afterpay but gives you multiple payment options, such as paying within 30 days or splitting purchases into four payments.

Why It’s a Strong Alternative:

• Accepted at many retailers
• Different payment plan choices
• Easy-to-use app for tracking payments

13. Affirm

Affirm lets you spread payments over 3 to 36 months. It’s a great alternative for big purchases like furniture and electronics.

Why People Love Affirm:

• Transparent pricing with no hidden fees
• Long-term financing options
• Works with major retailers

14. QVC Easy Pay

QVC is famous for its home shopping channel, but its Easy Pay option lets you split payments into five equal, interest-free installments.

Why It’s a Solid Choice:

• No interest on installment payments
• Wide variety of products
• Trusted brand with great customer service

15. Perpay

Perpay is designed for people with low credit scores. It lets you shop and pay off purchases through payroll deductions, helping you build credit.

What’s Unique About Perpay:

• No credit check required
• Helps improve your credit score
• Easy payroll-deducted payments

Comparison Table: Best Fingerhut Alternatives

Website	Product Focus	Payment Plan Type
Montgomery Ward	Furniture, electronics	Store credit
Seventh Avenue	Home décor, gifts	Monthly payments
Miles Kimball	Personalized gifts	Flexible payments
Walmart	Everything	BNPL via Affirm, Klarna
Harriet Carter	Home & personal care	Installments
Kohl’s	Clothing, electronics	Affirm BNPL
HSN	Beauty, home goods	Easy Pay
Stoneberry	Electronics, fashion	Low monthly payments
Bed Bath & Beyond	Home goods	BNPL options
ShopHQ	Jewelry, beauty	BNPL options
Afterpay	Various retailers	4 interest-free payments
Klarna	Various retailers	Flexible BNPL options
Affirm	Electronics, furniture	3-36 month financing
QVC Easy Pay	Home shopping	5 equal installments
Perpay	General shopping	Payroll-deducted payments

FAQs

Is there another website like Fingerhut?

Yes, similar websites include Zebit, Stoneberry, and MDG, which offer buy now, pay later (BNPL) options with flexible payment plans.

Does Fingerhut sell gift cards online?

Yes, Fingerhut sells gift cards online.

Is Fingerhut a loan or credit card?

Fingerhut offers a revolving credit account, which functions like a store credit card but can only be used for purchases through Fingerhut.

Why is Fingerhut so expensive?

Fingerhut’s prices tend to be higher due to financing costs, interest rates, and the convenience of its credit-based purchasing system.

What is a cheaper BNPL option compared to Fingerhut?

Afterpay and Klarna provide interest-free installment plans, making them some of the most cost-effective alternatives.

Can BNPL services be used for daily purchases?

Yes, many BNPL platforms support purchases of everyday essentials, including groceries, clothing, and household goods.

Is Afterpay a better choice than Fingerhut?

Since Afterpay offers interest-free payments, it is often a more budget-friendly alternative to Fingerhut, which typically has higher interest rates.

Finding the right Fingerhut alternative depends on what you’re looking for. If you want easy monthly payments, Montgomery Ward or Stoneberry might be best. If you prefer interest-free installments, Afterpay and QVC Easy Pay are solid choices. And if you’re looking to improve your credit, Perpay is a smart option.

No matter your shopping needs, there’s a BNPL option that fits your lifestyle. Happy shopping!