Gettington
Gettington is a US-based credit account servicing platform operating under the Fingerhut brand (Bluestem Brands subsidiary) that manages WebBank-issued revolving credit accounts for US consumers with limited traditional credit access, generating revenue from interest charges, SafeLine protection fees, and statement fees through digital self-serve channels.
- Company typePrivate
- Founded2009
- HeadquartersSaint Cloud, United States
- Headcount1–10
- GTM typeB2C
- OfferingServices
What Gettington does
Gettington is a US-based credit account servicing platform operating under the Fingerhut brand, a registered service mark of Bluestem Brands. Founded in 2009 and headquartered in Saint Cloud, USA, the company manages WebBank-issued revolving credit accounts — including the Gettington Credit Account, Fingerhut Fetti, and Fingerhut Advantage — for US residents who may have limited access to traditional credit. The platform provides online account management via a web portal and mobile app, enabling customers to view balances, make one-time or recurring payments (via checking/savings accounts, Visa, MasterCard, or American Express), and access up to 12 months of statements. Monthly account activity is reported to Equifax, TransUnion, and Experian, and session security is maintained through AES-encrypted transient cookies.
The business model is anchored in revolving consumer credit with three revenue streams: interest charges on outstanding balances (with minimum payments calculated on balance tiers ranging from $9.99 to 5.5% of balance), SafeLine Account Protection Plus fees ($1.89 per $100 outstanding monthly), and a $1.99 paper statement fee (effective August 2024). Distribution is exclusively digital across gettington.com, fingerhut.com, the Gettington mobile app, automated phone systems, and bank bill pay, supported by dedicated customer service phone lines per product. The company has a small headcount (1-10 employees) and operates as a subsidiary under Bluestem Brands.
The company is in a clear contraction phase. Effective October 2, 2025, Fingerhut Fetti Credit Accounts will no longer be available for new purchases, eliminating new origination capacity for one of its principal credit products. Existing accounts with remaining balances remain obligated to minimum monthly payments until paid off, indicating a run-off servicing posture rather than active growth.
Gettington firmographics
Firmographics- Name
- Gettington
- Legal name
- Fingerhut
- Website
- https://gettington.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Gettington is a US-based credit account servicing platform operating under the Fingerhut brand (Bluestem Brands subsidiary) that manages WebBank-issued revolving credit accounts for US consumers with limited traditional credit access, generating revenue from interest charges, SafeLine protection fees, and statement fees through digital self-serve channels.
- Ownership category
- akta.pro rank
Gettington industry classification
Industry- Product category
- Consumer Credit Services
- NAICS
- Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where Gettington is headquartered
LocationHeadquarters
- HQ city
- Saint Cloud
- HQ country
- United States
- HQ region
- North America
Markets served
Gettington business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure
Revenue model
- Credit Account Interest: Revenue generated from interest charges on outstanding credit account balances carried by customers. Monthly minimum payments are calculated based on balance tiers, with interest accruing on outstanding amounts.
- SafeLine Account Protection Fees: Monthly fee of $1.89 per $100 outstanding balance on credit account statement at end of each billing cycle. Coverage remains in effect at no charge if no balance is outstanding.
- Paper Statement Fee: Effective August 1, 2024, a $1.99 fee is charged for each paper statement for WebBank/Fingerhut Fetti accounts. Does not apply if ending balance was $5.00 or less, or for accounts in states where prohibited.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Balance-based minimum payment tiers |
| Subscription | Monthly | SafeLine Account Protection Plus fee |
| Subscription | Monthly | Paper Statement Fee |
Distribution channels4 records
Marketing channels2 records
Gettington product offering
Product offeringCore offering
Gettington operates a credit account servicing platform offering WebBank-issued revolving credit accounts (Gettington, Fingerhut Fetti, Fingerhut Advantage) for US residents to finance purchases. Customers access account details, make payments, view statements, and enroll in electronic delivery through a web portal and mobile app, with optional SafeLine Account Protection Plus covering minimum payments during qualifying life events.
Product overview
Gettington is a credit account servicing platform operated by Fingerhut that offers WebBank-issued revolving credit accounts. The product portfolio includes the Gettington Credit Account for purchases and payments, the Gettington Online Account Management portal for account servicing, and the Gettington Mobile App for mobile access. An optional add-on is SafeLine Account Protection Plus, which provides payment coverage during qualifying life events. The platform supports online payments via checking/savings accounts and major credit cards (Visa, MasterCard, American Express), and reports account activity to credit bureaus Equifax, TransUnion, and Experian. Effective October 2, 2025, the Fingerhut ecosystem including Gettington is closing for new purchases.
Differentiator
Problem solved
Functional benefit
Brands
- Fingerhut Fetti: Credit account product issued by WebBank
- Fingerhut Advantage
- WebBank/Gettington
Products and services
- Gettington Credit Account Revolving credit account issued by WebBank that allows customers to make purchases and manage payments online through the Gettington portal. Includes access to account details, payment scheduling, statement retrieval, and contact-information management. Available to US residents only.
- SafeLine Account Protection Plus Optional account protection program from WebBank that covers minimum monthly payments for 3-12 months during qualifying events (involuntary unemployment, disability, hospitalization, covered major life events) and may waive the entire balance up to the credit limit for death, bankruptcy, foreclosure, or extended qualifying events. Costs $1.89 per month per $100 outstanding balance; coverage remains in effect at no charge when balance is zero.
- Gettington Online Account Management Web-based portal enabling credit account holders to view account overview (available credit, due date, minimum due, current balance), access up to 12 months of past statements, make one-time or recurring payments, and manage account preferences including eStatements enrollment. Security is enforced via User ID, password, and challenge questions using AES-encrypted transient cookies.
- Gettington Mobile App Mobile application that provides Gettington customers access to their credit accounts on mobile devices, enabling account viewing and payment activity on the go.
Quantifiable outcome
- Account protection can cover minimum payments for 3 to 12 months depending on benefit coverage
- +1 more outcomes
Companies that use Gettington
Customer profileSegments1 record
Ideal customer profiles2 records
Gettington technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
Feature3 records
Gettington partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Bluestem BrandscoreBluestem Brands is the parent company that owns the Fingerhut registered service mark and related trademarks. All proprietary content, trademarks, and service marks on the Fingerhut/Gettington websites are owned by Bluestem Brands or its affiliates.
Recent moves6 records
Expansion highlights2 records
Gettington competitors and assessment
Company assessmentDirect peers
- Affirm: Affirm offers point-of-sale installment and revolving credit for online retail checkout. Directly comparable to Gettington's revolving credit model for e-commerce purchases, though Affirm serves a broader credit spectrum.
- Progressive Leasing: Progressive Leasing provides lease-to-own financing for consumers with limited or no credit history, sold through online and brick-and-mortar retail partners. Closely comparable to Gettington's subprime customer targeting and digital-first credit offering.
- Snap Finance: Snap Finance extends lease-purchase and credit financing to subprime consumers through online merchants. Directly comparable in customer base (near-prime/subprime) and merchant-funded online checkout use case.
- Katapult: Katapult offers lease-to-own virtual cards for non-prime shoppers at online checkout. Comparable in targeting non-prime online consumers and embedding credit into e-commerce flows.
- Klarna: Klarna provides Pay-in-4 and longer-term revolving credit at online checkout. Directly comparable as a revolving/BNPL alternative for online retail purchases, though Klarna's customer base skews broader.
- Afterpay (Block): Afterpay, now part of Block, offers short-term installment credit for online retail. Directly comparable for digital-first revolving/credit-at-checkout for e-commerce, though focused on prime customers.
- Bread Financial: Bread Financial partners with retailers to offer private-label and co-brand credit cards, including for online checkout. Comparable as a bank-partnered revolving credit platform for retail purchases (similar WebBank-style structure).
- Acima Credit (Aaron's Holdings): Acima provides lease-to-own financing for subprime shoppers through online and in-store retailers. Directly comparable in subprime targeting and merchant-embedded credit model.
- Sezzle: Sezzle offers interest-free installment plans and revolving credit at online checkout. Comparable in revolving/credit-at-checkout for e-commerce, though serving different credit tiers.
- Sunbit: Sunbit provides subprime-friendly financing for everyday purchases at the point of sale, including online. Comparable in subprime targeting and embedded retail credit use case.
Market position
Strengths3 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Gettington social profiles
Digital presenceGettington compliance and trust
Trust signalCompliance2 records
Gettington financial estimates
Financial estimateRevenue estimate
Valuation estimate
Gettington leadership team
Management profileNumber of profiles
Gettington funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Gettington M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Gettington
What does Gettington do?
Gettington operates a credit account servicing platform offering WebBank-issued revolving credit accounts (Gettington, Fingerhut Fetti, Fingerhut Advantage) for US residents to finance purchases. Customers access account details, make payments, view statements, and enroll in electronic delivery through a web portal and mobile app, with optional SafeLine Account Protection Plus covering minimum payments during qualifying life events.
Is Gettington a public or private company?
Gettington is a private company. It is classified as corporate owned and is currently operating.
When was Gettington founded?
Gettington was founded in 2009. It employs 1 to 10 people.
Where is Gettington based?
Gettington is headquartered in Saint Cloud, United States, in the North America region.
How does Gettington make money?
Three revenue lines are on record. Credit Account Interest is the primary driver. The others are safeLine Account Protection Fees and paper Statement Fee.
Who are Gettington's main competitors?
Direct peers on record are Affirm, Progressive Leasing, Snap Finance, Katapult, Klarna, Afterpay (Block), Bread Financial, Acima Credit (Aaron's Holdings), Sezzle and Sunbit.
Does Gettington have an API?
No public API is recorded for Gettington.
What industry is Gettington in?
Gettington's product category is Consumer Credit Services. Its primary akta.pro industry code is FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 52221 and its SIC code is 6141.