Fingerhut FreshStart® Credit Account

For People with
No Credit



The Fingerhut FreshStart Credit Account is an installment loan provided by Fingerhut. It’s issued by WebBank.

If you want to improve your credit and have had trouble being approved for credit cards, this account could be a way to get your foot in the door and begin establishing a credit history. It’s designed for people with badlimited, or no credit.

When you apply for the FreshStart account you’ll first be considered for the Fingerhut Advantage Credit Account (Review), which is a revolving credit card account that can earn 10% back in rewards at Fingerhut. If you don’t qualify for the Advantage account, you’ll then be considered for the FreshStart account.

After being approved for the FreshStart account you can use it to make a one-time purchase from Fingerhut. Your credit line, or credit limit, will be from $125 to $230. You must place an order of $50 or more, and then pay the required $30 down payment. Then your product will be shipped. You can only place one order with this account.

You’ll be required to make six or eight monthly payments to pay off the balance, accruing interest at a rate of 29.99% APR. After making all of your monthly payments on time, you’ll graduate to the revolving Advantage Credit Account.

You will not graduate to the revolving account if you make a late payment, or if you pay off the entire balance at the same time you pay the initial down payment. You must carry the balance for at least one month and make minimum payments to be considered for the revolving account. This forces you to accrue some interest if you want the revolving account.

There’s no annual fee to use this card. The interest rate is fixed at 29.99%, so carrying a high balance will be costly.

This Fingerhut account, along with Fingerhut’s revolving credit account, will report activity to the three major credit bureaus. This will let you build up your scores, and once you get into the fair or good credit range you’ll be able to qualify for better reward credit cards.

Although the Fingerhut FreshStart program is an installment loan, you can use it to easily get access to a revolving Fingerhut credit account (having a mix of revolving and installment accounts on your credit reports is good for your credit scores). This is a pretty rare opportunity, especially for people with bad credit.

Where can I use my Fingerhut FreshStart® Credit Account?

The Fingerhut FreshStart Credit Account can only be used to make purchases from Fingerhut or select partners. The account can be used for:

  • Purchases from
  • Purchases through the physical Fingerhut catalog
  • Fingerhut phone purchases
  • Offers from select Fingerhut partners
Card Quick Facts

Card Quick Facts

  • Requires down payment of at least $30
  • Can graduate to a revolving Advantage Credit Account after making on-time monthly payments
  • Easy to get for people with limited or no credit history
  • Account activity is reported to the three major consumer credit bureaus
  • 29.99% Purchase APR
  • Credit line of $125–$230
  • No annual fee
  • Only usable at Fingerhut and partners

For People with
No Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 29.99% Fixed
Intro Purchase APR -
Foreign Transaction Fee -
Chip Technology None
Minimum Credit Limit $125
Maximum Credit Limit $230
Free Credit Score No
Penalty APR None
Late Fee Up to $14.90
Returned Payment Fee Up to $25
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee -

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 0 reviews

The Insider

Sean Messier
2019 List of “Major” Credit Card Companies and How to Get Their Cards
Sean Messier | Jul 15, 2019

Learn about what types of credit cards are considered "major" credit cards, and the difference between credit card issuers and credit card networks.

Read More
Brendan Harkness
Best High Limit Credit Cards: Spend More, Earn More, Do More
Brendan Harkness | Jul 10, 2019

Your credit limits depend on your credit scores and your income, but some cards are known for giving higher limits. See all the best high limit cards here.

Read More
Brendan Harkness
The Best Military Credit Cards: Low APRs, Waived Annual Fees, and More
Brendan Harkness | Jul 08, 2019

Members of the military have access to special credit card terms. Under the SCRA, interest rates are capped, and some issuers also waive annual fees.

Read More