Financing frequency questions and answers

Bread® U.S. residents over the age of 18 (19 for Alabama or Nebraska residents), provided we can verify your identity Please note that if you apply to see if you’re pre-qualified and are denied, you won’t be eligible to apply with...

That’s great news! If you would like to pay for your order over time, simply select your financing program of choice (Bread® or Katapult) as the payment method in your checkout process.

Bread®
Your first payment is due 30 days after your order is “settled.” Usually this is about when you place your order. Our financing partner, Bread®, will email you and text you a link to its simple, easy payment portal.
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Bread®
You may be able to make a credit or debit card payment at checkout for the amount you are not approved to finance.
 
Katapult
You are allowed to make a down payment to cover the difference. You...

Bread®
Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose a Bread payment plan after your eligibility is confirmed, Bread will not perform a hard inquiry with any credit ...