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Pay over time

Clear, transparent terms. Fair rates. No prepayment penalties.

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Financing Available

We provide easy and affordable financing through our partner, Bread, so you can pay for your purchase over time.

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Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

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No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

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Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.

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Frequently Asked Questions

Can I adjust my shipping address after I have placed my order?

Your shipping address cannot be adjusted after you have placed your order. If you need to adjust your shipping address, your order will have to be cancelled and placed again with the new shipping address.

What is Bread?

Bread® is a pay-over-time technology solution that helps you make purchases with easy-to-understand monthly payments.
When you check out with Bread®, you agree to an installment loan from our lending partner, Cross River Bank, a New Jersey State Chartered Bank, Member FDIC.

How do I make a Payment?

You can make payments on your loan via your bank account, personal debit card, or mailed check. You can also set up automatic bill pay with your issuing bank.

To make a payment online, visit members.getbread.com and enter the mobile phone number associated with your Bread account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

Can I put Money Down?

Bread® financing does not include down payments. You must finance the entirety of your checkout amount if your checkout amount does not exceed your available credit limit.

However, once you’ve taken out a loan, you can prepay at any time without penalty, shortening the duration of your loan. You are not responsible for any interest that has yet to accrue.

When are my Payments Due?

Your first payment will be due no fewer than 30 days from the date the merchant settles your transaction. Subsequent payments are due on that date every month for the duration of your loan term. To view your payment schedule, log on to Bread’s member portal here.

Does checking out with Bread impact my credit score?

Once you have taken out a loan, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. In some instances, we may also obtain your credit profile from a smaller credit reporting agency, SageStream.

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