Hutton Chase is a membership-only online department store that allows customers to finance purchases over a five-month period with 0% interest. The catch is you have to pay a monthly membership fee to "benefit" from the 0% interest financing. Buyers must also pay a down payment for items before they are shipped. As of May 2016, the membership fee is $20, and there is a $20 activation fee. These charges will most likely negate any savings members receive.

Members receive a credit limit of up to $1,500 through Hutton Chase's catalog cards: Platinum Savings Club Merchandise Card and Luxe Signature Card. These catalog cards are not denied for bad credit, but they can only be used to purchase items at Hutton Chase.

Hutton Chase is based in Mobile, Alabama, and has an A rating with the BBB.

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