FingerHut Shopping Guide: How to Find the Best Deals on - Savvy

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Shopping for your favorite brands isn’t always wallet friendly. Too often, consumers skip out on making an essential purchase because the price tag is just a little too steep to justify. With Fingerhut, this is never the case! The online retailer’s unique payment programs ensure shoppers can make any purchase.

Fingerhut is an online retailer that specializes in home essentials, clothing, electronics, and health and beauty. Shoppers pay with credit and make monthly payments until each of their purchases have been paid in full. Monthly payments differ from product to product and from purchase to purchase but they start as low as $6.99 per month!


Opening a Fingerhut Account

Applying for a Fingerhut credit account is easy and convenient! You can find the application directly on the retailer’s website. After entering your name, address, and contact information, Fingerhut will ask you to provide your social security number, date of birth, and your available income. After all, you are applying for credit. After accepting the terms and conditions, sit tight and wait for approval! You’ll get an answer instantly! All Fingerhut credit accounts are issued by WebBank, “an FDIC-insured, state-charted industrial bank that provides customized consumer and commercial financing solutions on a nationwide basis.” 

Fingerhut even provides credit education content that’s easily available on their website. With introductions to credit scoring, walk through credit reports, and credit myth busting, the online retailer ensures shoppers are knowledgeable about credit and their different payment options. 

With all credit accounts, interest and penalty fees apply. With Fingerhut, the annual percentage rate for purchases is 26.40%. As noted online, this rate is subject to change based on the prime rate. Fingerhut conveniently provides information on how shoppers can avoid paying interest: “Your due date is at least 24 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.”

If you’re unable to pay on time, keep in mind that late payments incur a fee of up to $38.00. A returned payment similarly incurs a $38.00 fee. 

Be sure to keep interest and penalty fees in mind when it comes time to make your monthly payments!


Brands Sold on Fingerhut

With over thousands of products, Fingerhut sells the brands you already love alongside their eight original brands not sold in any stores.

Original brands:

  • Alcove
  • Tremont
  • Kimball Kids
  • Life Max
  • McLeland Design
  • Chef’s Mark
  • Master Craft

Alcove, Tremont, McLeland Design, and Kimball Kids are Fingerhut’s home essential brands. With towels, bedding, pillows, and other home accessories, Fingerhut ensures you’ll find something that fits your tastes, needs, and budget! 

Life Max is Fingerhut’s home workout brand. From weights to exercise machines, you can find all the right tools to ensure you reach your fitness goals. For campers and nature aficionados, Fingerhut’s Outdoor Spirit provides “reliable outdoor gear for comfort and convenience.” Master Craft, the last of the retailer’s original brands, has a variety of dependable tools to ensure you’re ready to take on your next project!

Brands We Love: 

  • Ashley Furniture
  • Addidas
  • Bearpaw
  • Bebe
  • Betsey Johnson
  • Champion
  • Conair
  • Crocs
  • Disney
  • Elizabeth Arden
  • Jessica Simpson
  • K-Swiss
  • Puma
  • Polaroid
  • Rocawear
  • And hundreds more!



If you’re unsatisfied with your purchase, Fingerhut makes returns easy! Simply resend Fingerhut your purchase and sit back! You’ll see a credit for the amount posted to your account within 10 to 15 days. You can use this credit for any of your future purchases.