FreshStart

The Fingerhut FreshStart® credit account issued by WebBank is an installment program that can help customers build buying power with us.

Once approved, you would make a one-time purchase that is a minimum of $50.00 (includes shipping and handling and taxes).

Next, a $30.00 down payment is required for your order to ship and to continue with the program. This amount will be subtracted from your order total.

The down payment can be made with the following methods of payment:

• Debit Cards - using your debit card will ensure your order is shipped to you quickly but will take 2 days for your down payment to complete processing before your order is shipped.
• Electronic (ACH) Check - there is a 7 day hold time when this method of payment is used, meaning your order could be delayed.
• Money Orders - in addition to the time it takes for you to mail it to us, there's also a 2 day processing timeframe.
• Paper Check - in addition to the time it takes for you to mail it to us, there's also a 7 day clearing time once we receive it, meaning your order could be delayed.
• MoneyGram Payments - there is a 7 day hold time when this method of payment is used, meaning your order could be delayed.

Credit Cards are not accepted for payments with the FreshStart Program.

Finally, pay off the balance with monthly on-time payments. Once your balance has been paid in full, with no late payments, no return payments, & at least a $50 minimum order, you will be rewarded with a revolving WebBank/Fingerhut Credit Account that may have a higher credit limit!

Important Information:

If your order is over your credit limit you can use a debit card to pay the difference. The down payment must be made at the time of purchase.

If the down payment is not made within the 25 days from the date the order is placed the order will be cancelled.

The Fingerhut FreshStart® credit account is a smart, easy and affordable way to get the items you want today while building your buying power with us.

It lets you shop thousands of brand names and high quality products at affordable low monthly payments.

Paying your low monthly payments in full and on time may reward you with a revolving WebBank/Fingerhut Credit Account with a higher credit limit and no down payments.

You may shop from the Fingerhut FreshStart® catalog or online at www.fingerhut.com.

Your WebBank/Fingerhut FreshStart Credit Account requires a $30 initial one-time payment for your Fingerhut FreshStart order. This payment will be subtracted from your order total once paid.

This amount is required for your order to ship.

Your down payment must be paid within 25 days of placing your order, otherwise your order could be cancelled.

You can make your one-time initial payment online as part of the checkout process or by calling 1-800-964-1975 7am-10pm (CT), 7 days a week.

The down payment can be made with the following methods of payment:

• Debit cards – using your debit card when you place your order online will ensure your order is shipped to you quickly, but will take 2 days for your down payment to complete processing before your order is shipped.
• Electronic (ACH) check – there is a 7-day hold time when this method of payment is used, meaning your order could be delayed.
• Money orders – in addition to the time it takes for you to mail it to us, there's also a 2-day processing time frame.
• Paper check – in addition to the time it takes for you to mail it to us, there's also a 7-day clearing time once we receive it, meaning your order could be delayed.

Credit cards are not accepted for down payments.

If mailing a check or money order for your down payment, please use the address below. Please note that this option takes longer, since we have to allow for the time it takes to be mailed to us, and for us to process it.

Fingerhut FreshStart
PO Box 270
St. Cloud, MN 56396

Please be sure to include your customer number on the check or money order. Your customer number can be found in My Account on fingerhut.com.

Your in-stock order will ship when our hold time has passed. If your order is not in stock, you will be notified.

We will hold your order for the number of days listed above and then your order will be released for shipment. Note that these time frames are not flexible. Please allow up to 10 days from the end of the hold time for your order to be shipped and received by you.

Your monthly payment will be based on your order amount plus shipping and handling, taxes, and finance charges.

The total order amount minus the $30.00 down payment will be split equally over the remaining monthly payments. This will be reflected on your monthly statements.

When you place your first order and make your down payment you will receive an Installment Loan Agreement by regular mail, which will include the anticipated monthly payments for your purchase.

You can also see your monthly payment amount online by creating an account and going to the My Account Overview section and selecting Statements.

There is no fee to receive your billing statement in paper form for your WebBank/Fingerhut FreshStart account. If you successfully graduate to a WebBank/Fingerhut Fetti account, we will then charge a $1.99 Paper Statement Fee each time you receive a paper statement for your WebBank/Fingerhut Fetti account. Note, the Paper Statement Fee will not apply to account holders residing in states where such a fee is prohibited. In addition to your monthly statement, the Paper Statement Fee also applies to requests to reprint your statement(s). You will be billed $1.99 per paper statement you were sent the previous month unless the ending balance on your account was $5.00 or less. You can avoid the fee by consenting to receive electronic disclosures, which includes billing statements, on or before your payment due date. To avoid the fee, change your consent to receive electronic disclosures by logging into My Account on fingerhut.com. If you require an accommodation or further assistance related to this change you may call us at 1-800-964-1975 or email us at customerservice@fingerhut.com.

To make a payment you can use the following options:

Online: Sign in or register by clicking the Hello. Sign In link at the top of the page. Click the Make a Payment button on the Account Overview page.

Bank Bill Pay: You can make your payments electronically from your checking or savings account if you are already using a bill pay service. You will find your 16 digit account number in your welcome letter or by calling customer service 1-800-964-1975.

Automated Phone System: Call 1-800-964-1975 to make a payment through our automated system any time day or night.

Mail: Send a check or money order to:

For Fingerhut FreshStart Account Credit Accounts:

FreshStart
PO Box 70283
Philadelphia, PA 19176-0283

Payments are posted to your account within 48 hours of submitting. The payment will reflect the date it was submitted and not the date it was posted. If your payment is submitted on or before the due date indicated on your statement, no negative activity will be associated with your account, such as a late fee.

Important Information: FreshStart® payments must be made with a debit card or checking/savings account. We do not accept Credit Card payments with this type of installment loan.

For online purchases only.

FreshStart:
You may use your WebBank/Fingerhut FreshStart credit to place an order and a debit card to make your down payment.
You may use a debit card to pay the order total over your FreshStart credit limit, in addition to the down payment.