If you love shopping but prefer to pay over time, buy now, pay later (BNPL) catalogs might be your new best friend. These online and mail-order catalogs let you shop now and split your payments into manageable installments, sometimes with instant approval and no credit check required.
Let’s look at some of the top BNPL catalogs that make instant shopping possible, along with what to watch out for before you hit “Add to Cart.”
Contents
What Are BNPL Catalogs?
BNPL catalogs are just like traditional mail-order catalogs, but with a modern twist. They let you pay for items over time. Instead of applying for a store credit card, you can check out using a buy now, pay later provider like Affirm, Afterpay, Zip, or Klarna.
Some catalogs offer their own in-house financing with instant approval decisions. Others partner with third-party BNPL services that do a quick soft credit check (which doesn’t affect your credit score).
Top BNPL Catalogs with Instant Approval
1. Stoneberry
- Financing Type: Stoneberry Credit
- Instant Approval: Yes, in most cases
- Payment Terms: As low as $5.99/month
- What You Can Buy: Furniture, electronics, home décor, clothing, and gifts
Stoneberry is one of the most popular BNPL catalogs for shoppers with fair or limited credit. Their instant approval process means you can start shopping right away after completing a short online application.
2. Ginny’s
- Financing Type: Ginny’s Credit
- Instant Approval: Usually yes
- Payment Terms: Monthly payments as low as $10
- What You Can Buy: Kitchenware, bedding, furniture, and appliances
Ginny’s caters to home and lifestyle shoppers who prefer flexible monthly payments without using a credit card. Their in-house financing is fast and straightforward.
3. Fingerhut
- Financing Type: Fingerhut Credit Account (WebBank)
- Instant Approval: Often within seconds
- Payment Terms: Varies based on order and credit limit
- What You Can Buy: Electronics, fashion, furniture, and more
Fingerhut reports to major credit bureaus, which can help you build or rebuild your credit. Approval is quick, but the prices can be higher than average—so shop smart!
4. Midnight Velvet
- Financing Type: Midnight Velvet Credit
- Instant Approval: Yes, with soft credit check
- Payment Terms: As low as $20/month
- What You Can Buy: Women’s fashion, shoes, accessories, and home décor
Known for its glamorous catalog, Midnight Velvet offers instant approval to many applicants and flexible payment options for stylish shoppers.
5. Seventh Avenue
- Financing Type: Seventh Avenue Credit
- Instant Approval: Often
- Payment Terms: Monthly payments based on order total
- What You Can Buy: Furniture, electronics, and home décor
This catalog offers easy monthly payments with instant decisions and a wide selection of home goods.
6. Wards (Montgomery Ward)
- Financing Type: Wards Credit
- Instant Approval: Yes, for qualifying shoppers
- Payment Terms: Monthly payments
- What You Can Buy: Appliances, furniture, electronics, and more
A long-standing name in catalog shopping, Montgomery Ward still offers a BNPL-style credit program with fast approvals and low monthly payments.
Things to Watch Before You Apply
While instant approval catalogs can be convenient, there are a few things to keep in mind:
- Interest rates: Some catalogs charge high APRs, so always check the fine print.
- Limited spending limits: Your initial credit limit might be low until you establish a payment history.
- Credit reporting: Some BNPL catalog accounts report to credit bureaus which great for building credit if you pay on time, but risky if you miss payments.
- Higher prices: Catalog prices can be higher than retail to offset financing costs.
Pro Tip
If you don’t want to open a catalog account, look for BNPL options at checkout like Afterpay, Klarna, or Zip, which can approve you instantly for smaller purchases with no interest if paid on time.
Final Thoughts
BNPL catalogs with instant approval make it easy to shop and spread out payments, especially if your credit history isn’t perfect. Just remember to treat these like any other form of credit: buy what you can afford, make payments on time, and read the terms carefully.
Used wisely, they can help you enjoy the things you want now while building a better financial future.
