ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Pacific Credit Group
CREDIT CARD ALTERNATIVES

Pacific Credit Group, LLC is a privately held specialty finance company that provides an alternative credit solution for online shoppers. The company provides credits to people with bad credit and to those who have no credit at all. The credit decision is provided in real time and with no impact to credit scores.


Unfortunately, we do not offer Pacific Credit Group credit card products. However, you can review best credit cards from our partners compared to Pacific Credit Group credit offers, choose the card that best fits your lifestyle and apply online within minutes!

Show more

UNFORTUNATELY, WE DO NOT CURRENTLY OFFER ANY ONLINE APPLICATIONS FOR THIS BANK.

  • Best Cards
  • Unsecured Cards
  • Secured Cards
  • Personal Loans
Viewing 1 - 2 of 3

our choice

MINIMUM AGE OF A BORROWER

  • 18

CHECKING ACCOUNT REQUIRED

  • Yes

EMPLOYMENT REQUIRED

  • Yes

MINIMUM INCOME REQUIRED

  • See terms
Offer is not available

Rating 3.8

No Credit Needed

KEY FEATURE

  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.203

CREDIT REPORTING

  • No

ANNUAL FEE

  • $0203

Rating 3.7

Bad, Fair, Good, Excellent Credit

KEY FEATURE

  • See if you’re Pre-Qualified without impacting your credit score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • $75 - $125, after that $99 - $125 annually
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • As low as $85

KEY FEATURE

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • As low as $85

Rating 3.7

Fair/Poor/Bad/Limited Credit

KEY FEATURE

  • See if you’re Pre-Qualified with no impact to your credit score

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • See Terms*
Viewing 1 - 2 of 3

our choice

KEY FEATURE

  • Chime® Checking Account and $200 qualifying direct deposit required to apply.

REGULAR APR

  • 0%

ANNUAL FEE

  • $0

KEY FEATURE

  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!

REGULAR APR

  • 29.99% (variable)

ANNUAL FEE

  • $0

KEY FEATURE

  • No credit check to apply. Zero credit risk to apply!

REGULAR APR

  • 25.64% (variable)

ANNUAL FEE

  • $35
Viewing 1 - 2 of 3

our choice

CREDIT CHECK

  • No

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • See terms

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $1,000

CREDIT CHECK

  • No

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • See terms

other alternatives TO PACIFIC CREDIT GROUP
CREDIT CARDS

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 3.7

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

our choice

Double Your Line
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Credit Check
Yes
Pre-Approval
No
Build Your Credit
Build Credit
Yes
Credit Line
Initial Credit Limit of $400* doubles to $800! (after first 6 monthly payments on time)
Card Usage
Use Anywhere
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes

our choice

Rating 3.7

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

our choice

Double Your Line
Credit Line
$300 - $1,000 credit limit doubles up to $2,000! (after first 6 monthly payments on time)*
Credit Check
Yes
Pre-Approval
See if you’re Pre-Qualified with no impact to your credit score
Reporting
to the Major Consumer
Reporting Agencies
Credit Bureau Reporting
Yes
Card Category
Unsecured
Checking Account Required
Yes
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes

our choice

Rating 3.9

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®

our choice

Up to
3%
Cash Back
Max. Rewards
Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
Rewards on everyday purchases
Earn 1% Cash Back Rewards* on all other eligible purchases
Redemption Options
See terms
Instant Response
Instant Response
Yes
Card Network
Mastercard®
Credit Check
Yes
Reporting
to the Major Consumer Reporting Agencies
Build Credit
Yes
Card Usage
Use Anywhere
Credit Check
Yes

card offers FROM
PACIFIC CREDIT GROUP CREDIT CARDS

Offered by Pacific Credit Group, Emporium credit card is not like any other traditional credit card. If fact, it is a shopping credit account that is available to consumers with bad credit history. Emporium doesn't charge interest and payment plans are affordable and tailored for each consumer individually. Also there are no application, processing or annual fees. Consumers make only monthly payments for products they bought.

Even though the Emporium card is not a traditional credit card, people with bad credit are able to build or rebuild their credit. Emporium reports payment activity, which means if you are always on time with the payments, the Emporium card can become a good tool for credit improvement.

Emporium credit card is not a typical credit account with interest rates, fees and a line of credit. Therefore, if you prefer a traditional credit card, we would recommend you to skip this offer. If you are looking for a credit card that can be used everywhere, consider credit cards that are issued by major banks.

Show more

Don't know
what to choose?

FIND A CREDIT CARD FOR YOUR NEEDS IN 3 EASY STEPS!

USE TOOL

questionsABOUT
CREDIT CARDS

Will I build credit with a store credit card?

You will be able to build your credit using a store credit card. To be able to build your credit you should first of all make sure the store card you want to apply for is reported to the major credit bureaus. Luckily,...

Read more
Are low APR credit cards good to improve bad credit history?

A lot of credit card holders who are having a bad credit must be wondering what they should and which card they should adopt in order to improve their credit history. They must understand that credit cards, no matter...

Read more
Are there ways in which you can deal with bad credit?

Despite the best laid plans, you may have the occasional bad credit situation where you find things are simply falling into pieces. You may wonder about what you can do to get back on board with banks looking at you...

Read more
See all questions

NOT SURE WHICH CARD TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

comments ABOUT
CREDIT CARDS🜂

WHAT IS YOUR QUESTION?

Please enter your question and contact information so that we could send our answer to you by e-mail. Note: Please do not include personal information such as your SSN#, credit or debit account numbers.

EXTRA QUESTIONS TO DESCRIBE YOUR SITUATION IN MORE DETAILS:

* - required fields

By submitting your question, you agree to the following:*

By providing my email information, I authorize Credit-Land to email me regarding products and services Credit-Land provides. I acknowledge that this consent may be removed at my request but that until such consent is revoked, I may receive emails from Credit-Land.

Here at Credit-Land.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.

Questions submitted to Credit-Land.com may be posted to our website with your first name, and may be edited for length and clarity. Please do not submit your Social Security number, credit or debit card number, or bank account number to us - though we will never share your name or email with anyone, sensitive information should never be posted to an FAQ form. We are not a bank or a credit card issuer, and we do not have access to your account information.

Thank You, Your Question Has Been Successfully Sent!
YOU'VE SUCCESSFULLY SUBSCRIBED!
PLEASE SPECIFY THE FOLLOWING:
All these fields are optional
your credit history
Excellent (750-850)
Good (700-749)
Fair (640-699)
Bad (350-639)
No Credit History
OR ENTER YOUR EXACT CREDIT SCORE
THEMES YOU ARE INTERESTED IN:
Traveling with Credit Cards: how to Save and Earn Rewards
How to Take Advantage of Credit Card Rewards
Credit Cards for Building Credit
Business Credit Card Offers
How to Save with Balance Transfer Credit Cards
Special Credit Card Offers for Students
Credit Cards with Low Interest Rates
Benefits of Credit Cards with No Annual Fee
Best Credit Card Offers with 0% Intro APR
By providing this information you help us make our news letters more useful and informative. Thank you!