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Which Credit Option is right for you

Fingerhut Fetti ®

Our traditional credit account means you can shop whenever you like, up to your credit limit.
  • Build your credit history when you make a purchase and pay your monthly bill.

  • After just 3 on-time payments, you could get a credit-line increase!

 

Fingerhut FreshStart®

This program is designed to help people who are starting out or starting over.
  • A one-time purchase program that’s a step to a traditional credit account.

  • Your $30 down payment is taken off your purchase price.

  • FreshStart customers who have successfully completed this program have seen on average a 30 point increase^ on their FICO® Score.

 
FreshStart logo

start your credit journey with us
we’ll find the product that fits for you

see how we can help you

 
we report to all three
credit bureaus
 
top brands
you want
 
no hidden
fees2
 
 
 
 

# For complete program details, see the WebBank/Fingerhut FreshStart

Terms and Conditions

.

^ Based on the average FICO® Score increase from all Fingerhut FreshStart®account customers who successfully completed the program between
4/1/2021 through 4/1/2022. Average increase is based on FICO 8 methodology.

FICO® is a registered trademark of Fair Isaac Corporation in the United States and other countries.

Fingerhut Credit Accounts are issued by WebBank.

* Advertised Price Per Month: The advertised price per month is the estimated monthly payment required to be made on your WebBank/Fingerhut Fetti Credit Account for a single item order, or if at any time your account has multiple items on it, then please see the payment chart for payment terms. The advertised price per month will not apply. See Full Cost of Ownership.

Your account minimum payment amount is determined by the purchases and balances on your WebBank/Fingerhut Credit Account. If yo u have a balance or are making a multiple item purchase, see the Existing Balance Payment Chart.

▽ Your account minimum payment amount is determined by the purchases and balances on your WebBank/Fingerhut Credit Account. The change in minimum payment amount is based on your account balance at the time it is advertised, and includes an assumption of interest charges and SafeLine fees, as applicable. The change in minimum payment amount does not include subsequent activity on your account such as any purchases, including deferred payment purchases, backordered, unshipped, returned or other pending purchases or exchanges; any payments, including partial, missed or returned payments; any fees, including recurring partner program charges, subsequent interest charges, late fees or returned payment fees. It is also subject to change based on shipping address, shipping method, partial shipments and taxes. Your minimum payment amount will not change and the purchase will not reflect on your statement until the order ships. If you have a balance or are making a multiple item purchase, see the Existing Balance Payment Chart.

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