BUY NOW,
PAY LATER

With Ginny’s® Credit Plan

We 🧡 our customers! You have big hearts, big dreams and big responsibilities! Ginny’s Credit empowers you to make everyday life more fun, colorful and affordable—right now!

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LOVE IT? GET IT!
WITH GINNY’S CREDIT

LOW MONTHLY PAYMENTS

MAKE IT SO EASY ON YOUR BUDGET

buy up to $100, pay only $10 per month

YOU’LL LOVE USING GINNY’S CREDIT!

MORE BUYING POWER

With monthly payments from $10, it’s easy to get what you deserve, and keep your payments low when you order again!

FAST & FRIENDLY

It’s just us! We give you credit like a trusted friend, from our family to you and yours. No big bank hassles here!

YOU’RE IN CONTROL

With on-time payments, you’ll earn a higher credit limit at Ginny’s, and build your credit score, too!

And there’s much more to love! Click here.

APPLYING IS EASY…
JUST START
SHOPPING!*

1.

Place your order and ask for
Ginny’s Credit at checkout.

2.

Answer a few
simple questions.

3.

Get an answer fast!

Shop Now

Already Have an Account?

Down payment may be required. All credit orders will be subject to credit approval.

From Our Friends

Generous credit and good financial management makes Ginny's my first "go-to" source for all types of household and personal items. I feel confident in the quality of their products, and Ginny’s Credit allows me to spend a little more and find other interesting items.

Helen K., Maspeth, NY

Ginny's credit plan makes it easy and affordable for customers to make low monthly payments without going beyond your budget limit, which I greatly appreciate.

Trina E., Saginaw, MI

There are purchases I'd like to make but don't have the immediate funds. Ginny’s Credit helps me buy what I need during those times.

Valerie E., Henrico, VA

GINNY’S CREDIT IS FAST,
FRIENDLY &
FAIR—
YOU DESERVE IT!

WE’RE DIFFERENT

We’re family owned, and that means no
big bank middlemen,
forms, annual fees
or long waits. Answer a few quick
questions at checkout—it’s that easy!

EARN MORE CREDIT

When you make on-time payments, you’ll
earn a higher limit
with us and improve
your credit score! (We report to major
credit bureaus.)

FREE UP YOUR
CREDIT CARDS

Save your major credit cards for
emergencies
and other budgeting needs.

FEEL AT EASE

With secure checkout and confidential
online account
management, your credit
card is safe and protected.

WE WORK WITH YOU

Working on rebuilding your credit? No
worries! You may still
qualify with one of
our flexible down payment options.

WE’RE HERE TO HELP

customer service representative

Have questions or want to talk to a friendly credit or service representative?

Call us anytime! 800-282-3829

Or, see Ginny’s Credit FAQs

Use Ginny’s Credit and get buy now, pay later convenience on colorful kitchen cookware and appliances, updated furniture, exciting electronics, comfy shoes and much, much more. Come join the fun!