Buy Now Pay Later Sites: Catalog Companies Series – Part 1

Buy Now Pay Later Catalogs offer you the ability to purchase items today with the option to either pay for your purchases at a later date or some of the BNPL plans allow you to pay minimum monthly payment.  In many cases, you will not be charged any interest on these purchases if you keep up with your monthly payments and or pay off the entire balance before the end date of the program.

However, one word of caution, if you miss a payment or do not pay the entire balance off  by the end of the program, you will be charged interest and possibly fees which can add up to a very big payment number.

Girls with Bags ShoppingMany of the retailers today offer both online and mail catalogs that offer various kinds of buy now pay later programs.  These catalogs offer goods and services that span across a wide range of items that you can purchase.  We here at buynowpaylatersites.com have done our detective work to researched and dig through a vast number of websites, links and pages to pull together a comprehensive list of BNPL catalog websites.

Buy Now Pay Later Catalog Companies – Colony Brands Compaies

Colony Brands is the mega parent company of some of the best known BLNP catalog companies.   Colony has grown in size due to the purchase of other online catalog companies such as DMSI.   Below is a list of Colony Brands companies that over Buy Now Pay Later sites that offer a wide range of options for your shopping needs.  As you view the Colony Brands family of websites, you will see a similar look and feel as well as merchandise offered.

Ashro (ashro.com)

Ashro.com – is geared towards African-American women and sells clothing, shoes, accessories and wigs.  To use Ashro’s BNPL plan, you need to apply for the Ashro credit card that has no annual fee.  Simply apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Ashro’s program is called Buy Now, Pay Later.  Payments start as low as $20 per month with balances up to $200 and there is no annual fee.  Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Ashro’s payment chart is as follows:

Ashro Payment Chart

Minimum Monthly
Highest New
PaymentBalance
$20$200
$25$400
$30$600
$35$1000
$40$1200
$45$1350
$50$1500
$55$1650
$60$1800
$65$1950
$70$2100
$75$2250
$80$2400

Ginny’s (ginnys.com)

Ginnys.com offers a wide range of items across kitchen and bath, furniture, bed and bath, electronics, health and beauty, gifts and toys and other things for the home.  To sign up for their card, apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Ginny’s program is called Choose & Charge.   Payments start as low as $20 per month with balances up to $200 and there is no annual fee.  Ginny’s payment chart is the same as Ashro’s above.  Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

 HomeVisions (homevisions.com)

Homevision.com offer the latest decorating trends for your home across bed and bath, furniture, home goods, outdoor, health and beauty and shoes.  Homevision does not offer a BNPL program at this time.

Midnight Velvet (midnightvelvet.com)

Midnight Velvet LogoMidnight Velvet.com has unique offerings for the home, clothing for women and men, accessories, shoes, jewelry and health and beauty.  Midnight Velvet’s program is called the Midnight Velvet Credit Plan.  To sign up for their card, simply apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Payments start as low as $20 per month with balances up to $200 and there is no annual fee.  Midnight Velvet’s payment chart is the same as Ashro’s above.   Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Monroe and Main (monroeandmain.com)

Monroeandmain.com offer the latest fashions in clothing, shoes, accessories, jewelry, and beauty for women and men.  Monroe and Main’s program is called the Monroe and Main Credit Plan – the most flexible way to pay.   To sign up for their card, simply apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Payments start as low as $20 per month with balances up to $200 and there is no annual fee.  Monroe and Main payment chart is the same as Ashro’s above.   Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Montgomery Ward (wards.com)

Wards.com is a catalog brand that has been around for 140 years and offers quality products and value across bed and bath, furniture, home goods, health and beauty, outdoor, gifts and toys, jewelry, clothes and shoes for men and women.  Montgomery Ward’s program is called BNPL – “Ward Credit is Better than Layaway”.   To sign up for their card, apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Payments start as low as $20 per month with balances up to $200 and there is no annual fee.  Monroe and Main payment chart is the same as Ashro’s above.   Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Seventh Avenue (seventhavenue.com)

Seventhavenue.com is more than just furniture and home decorating catalog as it also has electronic, jewelry, health and beauty, gifts and toys, and men’s and women’s apparel.   Seventh Avenue program is called Choose-n- Charge Credit.  To sign up for their card, simply apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Payments start as low as $20 per month with balances up to $200.  Seventh Avenue payment chart is the same as Ashro’s above.   Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

The Swiss Colony (swisscolony.com)

Swisscolony.com offers handcrafted bakery goods, candy and chocolates, cheese and meats, gift baskets & assortments, nuts & snacks, sugar and gluten free products.  Swiss Colony’s program is called BNPL Credit.  To sign up for their card, apply for the card at check out; answer two questions and within 24 hours you will know if you have been approved.  Payments start as low as $15 per month with balances up to $60.  Swiss Colony’s payment chart is as is provided in the table below.  Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Minimum Monthly Payment
Highest New Balance
$15$60
$20$200
$25$400
$30$600
$35$1000
$40$1200
$45$1350
$50$1500

The Tender Filet (tenderfilet.com)

Tenderfilet.com delivers restaurant quality food and meals to your door. They offer various meats including beef, poultry, pork, veal, lamb and other gourmet assortments.  Tender Filet also offers seafood choices of lobster, crab, shrimp, Phillips Seafood as well as other types.  They also offer gourmet dinners and heat and serve items as well.  Tender Filets program is called Dine Now, Pay later.  To sign up for their card, apply for the card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Payments start as low as $15 per month with balances up to $60.  Tender Filet’s payment chart is the same as Swiss Colony’s above.  Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Through the Country Door (countrydoor.com)

Throughthecountrydoor.com offer timeless styles across their home décor, bed and bath, furniture, seasonal merchandise and gifts.   Through the Country Door’s program is called Country Door Inspirations and to sign up for their card at check out; answer a few questions and within 24 hours you will know if you have been approved.  Payments start as low as $20 per month with balances up to $60.  Through the Doors payment chart is as is provided in the table below.  Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

Ashro Payment Chart

Minimum Monthly
Highest New
PaymentBalance
$20$200
$25$400
$30$600
$35$1000
$40$1200
$45$1350
$50$1500
$55$1650
$60$1800
$65$1950
$70$2100
$75$2250
$80$2400

The Wisconsin Cheeseman (wisconsincheeseman.com)

Wisconsincheeseman.com offers cheese, meats, bakery goods, specialty foods such as candy and chocolate, nuts and snacks, fruit, condiments, sugar and gluten free and gift assortments.  The Wisconsin Cheeseman’s program is called BNPL Credit.  To sign up for their card, apply for the card at check out and within 24 hours you will know if you have been approved.  Payments start as low as $15 per month with balances up to $60.  The Wisconsin Cheeseman’s payment chart is payment chart is the same as Swiss Colony’s above.  Their charge cards annual percentage rate (APR) are 5.75% – 23.99% and vary by State and account balances.

As you have read, Colony Brands has a lot of catalog companies within their portfolio with many of the offering similar products and financing plans. Though our research we have found that Colony Brands is not the only large players within the buy now pay later catalog company space.  There are many more to discuss and write about in our next installment.