Your V.I.P. Pass to
Be Your Confident Best

Applying is Easy!

1. SHOP for the embellished looks you love

2. CHECK OUT with Midnight Velvet Credit

3. GET AN ANSWER FAST after a few quick questions

Already Have an Account?

Your credit application will be submitted with your order. We'll let you know if your order was approved (usually within 24 hours).
Down payment may be required. All credit orders subject to approval.

Beautiful You. Beautifully on Budget!

SHINE
Get more of the embellished looks you love now.

TRUST
We approve you fast without big-bank hassles or hidden fees.

CONTROL
Shop now with easy low payments from $20 a month.

EARN
Increase your Midnight Credit limit with on-time payments.

SCORE
Improve your credit score, we report to major credit bureaus.

STRESS LESS
Secure checkout and account management online or by phone.

Get More Buying Power with Easy, Low Payments!

And for just $5 more per month, you could double your merchandise order with Midnight Velvet Credit!*

(Subject to credit approval—paying on time will help raise your limit. Down payment may be required.)

Image of monthly payment chart with $20, $25 and $30 payment tiers.

How much can you buy? You may be surprised!

*See payment chart SHOP NOW

What Other V.I.P. Customers are Saying

"I just love everything about Midnight Velvet, the prices, the styles & best of all, the easy payment plans!!"
— Michelle, PA

"The Midnight Velvet Credit allowed me to purchase clothing I loved that looked wonderful on me in an affordable, comfortable way that did not break my budget. I appreciate it very much."
— Kris, WA

"You can buy the things you want or need, and not have to worry about paying it all once – and you can build your credit!"
— Cathy, PA

More About Applying

How is applying for Midnight Velvet Credit different?

It’s easy! Just answer a few questions at checkout, and we’ll get back to you with an answer—FAST. You’ll know right away if your order is approved.

We’re family owned! That means no big bank hassles, forms, annual fees or long waits.

Will I qualify?

Working on rebuilding your credit? No problem. We offer flexible down-payment options and understand the challenges of rebuilding your score.

More good news: we report to major credit bureaus, so your good payment behavior with us could even help improve your overall credit score, too!

Have More Questions?​

Or, talk to a friendly credit representative at: ​1-800-549-0367

Confident Style. Beautiful You.

Use Midnight Velvet Credit and get buy now, pay later convenience on the
unique and fashionable styles for your wardrobe and home.

With low payments from just $20 a month, Midnight Velvet Credit makes extraordinary clothing, shoes, jewelry and unique furniture and home décor stylishly affordable. A fast approval process makes it extra easy to use credit while shopping online or from our home and clothing catalog. Plus, you can build your credit limit with on-time payments – and save your cash and credit cards for other needed purchases! Be your beautiful best (and stay on budget) with Midnight Velvet Credit for clothing and home décor from our clothing catalog!