All of the buy now and pay later companies charge oodles of interest and also expensive shipping and handling fees. I did use Fingerhut once years and years ago but the quality of the towels and bedding set I purchased turned out not to be as good of quality as had I paid the same original sale price for quality ones at a local store.
Check out what stores in your area have layaway programs. It will cost you a lot less money than catalog shopping and you'll know by first hand viewing the quality of what you're paying for. If layaway still works the same as it used to it doesn't matter whether the item is full store price or on sale so shop for sales to save even more money.