ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

5 Companies that Offer Online Instant Credit Cards

Updated on October 15, 2015
5 Companies that Offer Online Instant Credit Cards
5 Companies that Offer Online Instant Credit Cards

Whether you're thinking of shopping for yourself or family or need a short-term emergency family loan, there are five popular companies that will give you instant credit cards or lines of credit that you can use online right away when approved.

Online instant credit card approval websites used to be very popular prior to the financial meltdown in the United States in 2009. Many banks and stores stopped advertising instant credit during this time because there was a pull-back in how much credit banks decided to extend to the public, simply to protect themselves.

But now some of these immediate credit offers are back because the economy has improved. And you can benefit from these offers as well.

In addition to these instant credit offers, one of my favorite stores gives 5% off every purchase, free shipping, and an extra 30 days to return merchandise -- whether you're approved for their debit or credit card.

The following credit cards might be a little easier to obtain because the interest rates are generally higher in the long-term. Credit cards with more stringent requirements, such as those from a credit union you belong to, will usually have a much lower interest rate.

Do not assume if you have a lower credit score that you won't gain instant credit. You won't know until you apply!

What do you want to get with your instant credit?

See results


Walmart offers two instant credit cards on its website: a Walmart MasterCard and a Walmart store card. If your credit score is under 680, you are more likely to be approved for the store card. But it is worth applying anyway.

If you need short-term help in buying groceries or household goods to make ends meet, the store card makes sense because you can buy the necessities online or in-store. Application results are delivered instantly online, and you will be given a code you can use to purchase items right away on

Walmart also offers promotional no-interest financing on large purchases with their store credit card.


A Lowe's card is an excellent piece of credit to have handy because anyone who owns a home knows that you can run into an unexpected tool or repair expense. With the Lowe's card my husband has been able to purchase pipes, a pole saw for taking down tree limbs, and exterior paint to save our wood deck from rotting from rain and sun exposure.

Of course you can also use the Lowe's card for DIY projects, gardening supplies, or whatever suits your fancy in home maintenance.

If you are approved for a credit line at, you will be given shopping access instantly.


You are likely to have had purchased an item from Amazon. Amazon's instant credit process is extremely easy and you can shop from millions of items immediately after approval. You can use this credit line for anything from pantry items to tools to clothing to purchasing useful consumer electronics such as computers, smartphones, and televisions. Amazon also offers promotional no-interest financing for purchases $149 and up. This credit card has proved popular for both holiday and year-round shopping.

4. extends instant credit so you can shop for thousands of home goods from their online site. It is the equivalent of an online department store, and is a popular online destination for Christmas shopping. You can even buy furniture to fill your house with Overstock's great supply of merchandise. In addition, as a newer feature, you can purchase gourmet foods at the website.


PayPal can be one of your best friends when it comes to credit. You can get an immediate credit line to use online at hundreds of popular stores, but the best feature is that you can send friends or family cash from PayPal credit. So if you need an emergency short-term loan to make up for a mortgage payment shortage, you can send money to your spouse from PayPal credit and then transfer the PayPal deposit to the bank to be used.

These companies often require minimal information for giving instant credit. Applying online for these loans is becoming easier again as the economy improves. Get your slice of the pie so you can start buying the things you need and love. Many people use instant credit to get themselves through a rough patch, treat themselves, furnish their home, buy gifts, or get useful electronics.


Submit a Comment

No comments yet.


This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

Show Details
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
ClickscoThis is a data management platform studying reader behavior (Privacy Policy)