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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!

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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

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
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

Fair/Poor/Bad Credit

KEY FEATURE

  • Monthly reporting to the three major credit bureaus

CREDIT REPORTING

  • Yes

ANNUAL FEE

  • See Terms*
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

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

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. Zero credit risk to apply!

REGULAR APR

  • 25.64% (variable)

ANNUAL FEE

  • $35

KEY FEATURE

  • 1% Cash Back Rewards on payments

REGULAR APR

  • 15.24% (V)

ANNUAL FEE

  • $49
Viewing 1 - 2 of 3

our choice

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • Yes

MINIMUM LOAN AMOUNT

  • $1,000

Rating 4.4

Limited / No Credit

CREDIT CHECK

  • Yes

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • See terms

Rating 3.6

Any Credit Welcome

CREDIT CHECK

  • No

INSTANT RESPONSE

  • No

MINIMUM LOAN AMOUNT

  • $100

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.

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