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Stoneberry Credit® Terms

With Stoneberry Credit®, you can shop all your favorite products and brands with payments as low as $5.99 per month*, meaning you can update your décor, set up a home theater, or create some fun for the kids affordably. What’s more, you can shop with confidence knowing that there’s no fine print or sneaky fees. When you shop with Stoneberry®, you can expect:

Stoneberry Credit® Terms Effective December 27, 2023

Minimum Payment: Balance Less Than:
100% $5.99
$5.99 $50
$7.99 $75
$9.99 $100
$14.99 $150
$19.99 $200
$24.99 $250
$27.99 $300
$28.99 $350
$29.99 $450
$33.99 $600
$46.99 $800
$59.99 $1,100
$69.99 $1,300
5% of the balance Over $1,300


Your ability to obtain a credit account ("Account") is conditioned on your meeting certain creditworthiness requirements that we have established for the Account. You authorize us to obtain a consumer report on you. We may not provide an Account to you, or we may limit the amount of credit initially available to you if you do not meet our creditworthiness requirements. An Account is not available if we cannot verify information about you or if you cannot enter into a binding contract. We may require a down payment before we provide you with an Account.

Overdraft Charges
There will be an overdraft charge added to your account for each check, order, or electronic payment instruction returned to us by your bank or otherwise not honored by your bank. The fee charged to you depends on the state in which you live and will not exceed the lesser of the minimum payment amount, the face amount of the check or other payment instrument, or the maximum fee allowed in your state. The Maximum fee will be $25 if you live in one of the following states: AK, AL, AR, AZ, CO, DC, FL, GA, HI, IL, IN, KS, KY, LA, ME, MI, MN, MS, MT, ND, NH, NV, OH, OK, PR, RI, SC, SD, TN, VT, WA, WI, WV, WY. The fee is $20 if you live in one of these states: CT, IA, ID, NJ, NY, UT, VI. The fee is $15 if you live in one of the following states: CA, MO, TX.

Each month you must pay at least the Minimum Monthly Payment, plus any past due amounts, by the due date shown on your monthly statement, a payment will be considered "on-time" if we received it by 5 p.m. on the due date. Your Minimum Monthly Payment amount is calculated based on your Highest Net Purchase Balance (this is your purchases minus any returns) since your account was last paid in full. This Minimum Monthly Payment amount is calculated as shown in the box above and will not decrease until your Highest Net Purchase Balance goes down OR your account is paid in full. Payments in excess of the minimum will reduce your balance and FINANCE CHARGES, but will not prepay or be applied against future Minimum Monthly Payments.

Finance Charges
If the New Balance shown on your monthly statement is not paid in full within 25 days of the statement date, a FINANCE CHARGE will be added to your account calculated at the following rates: AL 21% up to $750, 18% over $750; AR 17%; OH, WV 24.99%, CO, GA, IN, MS, OK, TN, VT, WY 21%; FL, LA, MA, ME, MN, NC, VI 18%; GU, NE 21% up to $500, 18% over $500; PR 20.4%; TX 21.00%; All other states 29.99%. We figure the FINANCE CHARGE on your account by applying the applicable periodic rate to the "average daily balance" of your account including current transactions (MA, MN, MT and NM exclude these new purchases). To get the "average daily balance," we take the beginning balance of your account each day, add any new purchases (except in MA, MN, MT, and NM where new purchases will be included as of the start of the next billing cycle), and subtract any payments or credits and unpaid FINANCE CHARGES, LATE FEES, and RETURNED CHECK CHARGES. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance".

Minimum Finance Charge of 50¢ per month, except for residents of AR, AK, CA, CT, DE, FL, GA, IA, ID, IL, KS, KY, NC, ND, NH, NM, NV, OH, RI, UT, VA, WA, and WI have a minimum of $1.00 per month; TX Residents at 75¢ per month; GU, MI, MO, NY, and TN residents at 70¢ per month. For residents of DC, HI, MD, NE, OR, or PR, there will be no minimum charge.

Late Fees
If you fail to make the Minimum Monthly Payment required on your statement by the due date, you will be subject to a late fee not to exceed the lesser of the minimum monthly payment or the amount that is allowable by law. At no time will the LATE FEE be higher than $15.00 per each late or missed payment on your account. Subject to the above, if you live in one of the following states your LATE FEE will be as follows: AR, FL, MT, NJ - $10 after 10 days; AK, CO, CT, DC, ID, MD, MI, MS, ND, NH, NM, NV, NY, OH, OK, OR, PA, SD, TN, VI, VT, WA, WI - $15 after 10 days; CA - $15 after 15 days; TX - $15 after 21 days; IN, GA - $20 after 10 days; AZ, KS, MO - $5 on balances of $25 or less, $10 on balances over $25 after 10 days; AL, IL, KY - the greater of $10 or 5% of installment after 10 days; HI - the lesser of $15 or 5% of installment after 10 days; IA, PR, UT - $15 after due date; LA - the greater of 5% or $10 not to exceed $15 after 10 days; MA - the lesser of $10 or 10% of minimum payment after 15 days; ME – the lesser of 5% of the unpaid balance or $10 after 15 days; MN - the greater of $7.80 or 5% of unpaid balance after 10 days; NC - $5 if unpaid balance is $100 or less, $10 if above after 30 days; NE - the greater of 5% of installment or $5 after 10 days; SC - the lesser of $15 or 5% of balance after 10 days; RI - $12 after 40 days; WV - the lesser of $15 or 5% of installment after 10 days; WY - the greater of $10.00 or 5% of unpaid installment after 10 days.

Over-the-Limit Fees
If you exceed your credit limit, we will not charge you an over-the-limit fee.

Communication Consent
You authorize us, our affiliates, agents, and others calling at our request or on our behalf to contact you at any number or email address you have provided to us for the servicing, management and/or collection of your account. We may contact you in any manner consistent with the information we have obtained, including e-mail, telephone calls and text messages. We may use automated technology for the purpose of contacting you, including but not limited to automatic dialing or similar equipment. We may monitor or record calls from you to us and calls from us to you. When you give us your mobile telephone number we may contact you at that number using automated dialing equipment and we can leave pre-recorded or other messages, even if you are charged for it by your provider.

If you fail to pay the Minimum Monthly Payment when due, or upon your default if otherwise defined under Applicable Law, or upon your becoming insolvent or the subject of bankruptcy or other insolvency proceedings, Stoneberry® will have the right to refuse to extend any further credit and, after giving you any notice and opportunity to cure the default required by Applicable Law, the right to declare your account immediately due and payable.

Additional Provisions
These rules are the contract which applies to all purchases on your Account. Stoneberry® may close your Account to future purchases or limit their amount. Stoneberry® may amend these rules from time to time by sending you advance written notice, and to the extent the law permits your use of the Account thereafter will indicate your agreement to the amendments. To the extent the law permits, and Stoneberry® indicates in its notice, amendments will apply to your existing Account Balance as well as to future transactions. The Applicable Law governing your Account is the law of the state of your address. We must be able to verify information you provide. When you have an account, we may get credit reports to update our records at any time, or to decide whether to give you additional credit or for other legitimate purposes.

Accord and Satisfaction
No payment by you or receipt of payment from you to Stoneberry® shall be deemed to be other than on account of the amount due, and no endorsement or statement on any check or any letter accompanying any check or payment by you shall be deemed an accord and satisfaction, and Stoneberry® may accept such check as payment without prejudice to Stoneberry's right to recover the balance of such installment or payment or pursue any other remedies available to Stoneberry®.

All disputes, claims or controversies arising from or relating to these rules or the relationships which result from this purchase contract, the validity of this arbitration clause, this purchase contract or these rules, shall be resolved by binding arbitration to be conducted between you, individually, and Stoneberry®, except for actions by Stoneberry® to enforce your payment obligations upon declaring your Account in default and due and payable. All arbitration under this provision shall be conducted under the auspices of a single arbitrator selected in accordance with the procedures of the American Arbitration Association and shall be conducted pursuant to the Commercial Arbitration Rules of such organization. This arbitration provision is made in connection with a transaction in interstate commerce, and shall be governed by the Federal Arbitration Act. You agree and understand that you have a right or opportunity to litigate disputes through a court, but that unless specifically prohibited by law, you and Stoneberry® have chosen to resolve disputes through arbitration, except as provided above with regard to enforcement of payment obligations. STONEBERRY® AND YOU VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL IN CONNECTION WITH ANY AND ALL DISPUTES, CLAIMS OR CONTROVERSIES COVERED BY THIS ARBITRATION PROVISION. You agree and understand that all disputes arising under case law, statutory law (federal, state or local) and all other laws, including, but not limited to, all contract, tort and property disputes, will be subject to binding arbitration in accord with this provision. If you would like to obtain a copy of the procedures and rules of the American Arbitration Association, you can either make a written request directly to them at: American Arbitration Association, 13455 Noel Road, Suite 1750, Dallas, TX 75240-6620 or go to their website at


Ohio Residents
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Married Wisconsin Residents
No provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect a creditor's interests unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision.

New York/Rhode Island/Vermont Residents
You agree to give Stoneberry® permission to access your credit report in connection with any transaction, or extension of credit, and on an on-going basis, for the purpose of reviewing your Account, adjusting the credit line on your Account, taking collection action on your Account, or for any other legitimate purposes associated with your account. Upon your request, you will be informed of whether or not a consumer credit report was ordered, and if it was, you will be given the name and address of the consumer reporting agency that furnished the report. New York residents can contact the New York State Banking Department to obtain a comparative listing of credit card rates, fees and grace periods at New York State Banking Department: 1-800-518-8866.

California and Utah Residents
As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of your credit obligations.

Texas Residents
To contact us about this Account call (800)-704-5480. This contract is subject in whole or in part to Texas law, which is enforced by the Consumer Credit commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207. Phone: (512) 936-7600. Contact the Commissioner relative to any inquiries or complaints.

To help the government fight identity theft, the funding of terrorism, and money laundering activities, Federal law requires us to obtain, verify, and record information that identifies each person who opens an account. When you open or access an account with us, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for other identifying information as needed.

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.

What to do if you find a mistake on your statement:

If you think there is an error on your statement, write to us at: Stoneberry®, 1356 Williams Street, Chippewa Falls, Wisconsin 54729. You may also contact us here:

In your letter, give us the following information:

You must contact us:

What will happen after we receive your letter:
When we receive your letter, we must do two things:

  1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
  2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error:
    1. We cannot try to collect the amount in question, or report you as delinquent on that amount.
    2. The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
    3. While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
    4. We can apply any unpaid amount against your credit limit.

After we finish our investigation, one of two things will happen:

Interest Rates & Finance Charges
Annual Percentage Rate (APR) for purchases when you open your account
AL 21% up to $750
18% over $750
Monthly periodic rates of 1.75% up to $750 and 1.50% over $750
AR 17% Monthly periodic rates of 1.417%
OH, WV 24.99% Monthly periodic rates of 2.08%
PR 20.4% Monthly periodic rates of 1.70%
21% Monthly periodic rates of 1.75%
18% Monthly periodic rates of 1.50%
GU, NE 21% up to $500
18% over $500
Monthly periodic rates of 1.75% up to $500 and 1.50% over $500
TX 21.00% Monthly periodic rates of 1.75%
All Other States & U.S. Territories 29.99% Monthly periodic rates of 2.50%
Minimum Finance Charge
TX $0.75
GU, MI, MO, NY, TN $0.70
DC, HI, MD, NE, OR, PR None
All Other States $0.50
Method of Computing Balance for Purchases
MA, MN, MT, NM Average Daily Balance (excluding new purchases)
All Other States Average Daily Balance (including new purchases)
How to Avoid Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Annual Fee None
Over Limit Fees None
Late Payment Up to $15.00 (See Late Fees above)
Returned Payment Up to $15.00 (See Overdraft Charges above)
For Credit Card Tips From the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:
The information in this table is accurate as of August 1, 2022. This information may have changed after that date. To find out what may have changed, write to us at STONEBERRY® Credit Dept., 1356 Williams Street, Chippewa Falls, WI 54729.

Privacy Notice
Facts What does Stoneberry® do with your personal information from your Stoneberry® Credit account?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number and income
  • Account balances and account transactions
  • Credit history and credit scores
How? All financial companies need to share customers' information to run their everyday business. In the section below we list the reasons financial companies can share their customers' personal information; the reasons Stoneberry® chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Stoneberry® share? Can you limit this sharing?
For our everyday business purposes – Such as to process your transactions, maintain your account, respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes – To offer our products and services. Yes No
For joint marketing with other financial companies. No Yes
For our affiliates' everyday business purposes – Information about your transactions and experiences. Yes Yes
For our affiliates' everyday business purposes – Information about your creditworthiness. Yes Yes
For our affiliates to market to you. Yes Yes
For non-affiliates to market to you. Yes Yes
To limit our sharing Call us at 1-877-220-7714

Please note: If you are a new customer, with respect to those circumstances in which you can limit our sharing, we can begin sharing your information thirty (30) days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.
Questions? Call us at 1-877-220-7714 or email us.

Sharing Practices
Who is providing this notice? Stoneberry®
What we do
How does Stoneberry® protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does Stoneberry® collect my personal information?

We collect your personal information, for example, when you:

  • Open an account or apply for financing
  • Give us your contact information or give us your income information
  • Pay us by check
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?

Federal law gives you the right to limit only:

  • Sharing for affiliates' everyday business purposes - information about your creditworthiness
  • Affiliates from using your information to market to you
  • Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else? Your choice will apply to everyone on your account.

Companies related by common ownership or control. They can be financial or nonfinancial companies.

Our affiliates include nonfinancial companies such as K. Jordan, Mason Easy-Pay, Masseys, Fifth & Glam, Figi's Gallery, Figi's and Birchland Market.


Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Non-affiliates we share with may include other direct marketing companies
Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Stoneberry® does not have any joint marketing partners.
Other important information
If you live in Vermont, we will not share information about your creditworthiness for our affiliates' everyday business purposes and we will not share information for non-affiliates to market to you. If you live in California, we will not share information for our affiliates or non-affiliates to market to you, and we will not share your information for joint marketing with other financial companies.