Buy Now,
Pay Later with
Wards Credit
Wards Credit gives you two easy ways to get started.
Either check your buying power before you shop —or
shop now and apply at checkout!
Check Your
Buying Power First
See if you are pre-qualified for Wards Credit before you start shopping. There’s:
No impact to your credit score
It’s safe, secure, and fast
No fees or obligation to buy
You’ll know how much you can spend while shopping
Pre-qualification is not a guarantee of final credit approval. Final approval may be subject to additional verification and credit review.
Go Shopping First
Prefer to shop first? Add your favorite items to your cart, choose Wards Credit at checkout, and answer a few simple questions. There’s:
A quick credit decision at checkout
No annual fees
Downpayment options to help you get approved
Whichever way you choose, Wards Credit gives you the freedom
to get what you need now and pay over time!
“
It’s easy to get credit to buy the things you need!
-Karen M., Wards Customer
”
Benefits of Wards Credit
Take Control,
Live Better
Keep Your
Budget on Track
with payments
as low as $10 a month
+ no annual fees!
Give the Best
to You & Yours
Find Brands
You Love
and a GIANT selection...
You have quality
AND choices.
Grow + Gain Confidence
Improve Your
Credit Score
by making regular on-time payments.We report
to major credit bureaus!
Enjoy a True Partnership
We’re Your
Single Source
for the credit &
products you love
Build Your Future
Earn
Higher Limits
with on-time
payments
Feel at Ease
Confidential
& Secure
checkout & account
management
Increase Your
Buying Power
with Wards Credit!
Pay just $5 or $10 more per month and you could
buy up to
$200 more merchandise now with Wards Credit!*
Subject to credit approval—
on-time payments could help raise your credit limit over time!
More About Applying
How is applying
for
Wards Credit
different?
At Wards, you simply place your order, ask for Wards Credit and answer a few simple questions. The “application” is that easy and we think you’ll love it. After all, you’re here to shop, not fill out forms all day!
Start Shopping
What if I’m declined?
(I’m working on
my credit score…)
Don’t stress! Wards offers flexible down payment options, so you may still qualify for Wards Credit
by simply making a small down payment on your first order.
We know you’re working hard to improve your credit score, and this is one more way that Wards says
“Yes” when others say “No!” We want you to be able to get gifts for your loved ones, like clothes,
toys, jewelry and more.
“
Montgomery Ward has helped me build my credit score...
You guys are awesome
and I love how
you treat
your customers. Thank you!
-Wards Customer
”
Use Wards Credit and
get buy now
pay
later
convenience on a huge
selection
of
furniture,
electronics, tools, shoes
and more.
Wards low monthly payments and fast approval process make it easy to use credit
while shopping online or in our catalog. Now it’s easy to get the brand‑name
cell phones, laptops
and TVs your family needs, while you save your cash
and credit cards for other purchases.
*Down payment may be required. Please note: All credit orders will be subject to credit approval.
Terms & Conditions