Frequently Asked Questions
- How does this work?
- We’ve partnered with Bread® to allow you to pay for your purchase with simple monthly installments. Find out if you prequalify in seconds and choose the plan that works best for you. All plans feature easy online payments and no prepayment fees.
- Can I pay back my loan early?
- Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.
- Does checking my rate affect my credit?
- No. We use a soft inquiry to check your rate, which won’t affect your credit score. Checking out with Bread® will not result in a hard inquiry at any of the three major credit reporting agencies.
- How and when do I make payments?
- Make payments online by ACH or a debit card, or by mailing us a check. Your first payment won't be due for at least 30 days after checkout. We'll send you an email with your due date, and we'll send you payment reminders by email and text.
- Is this safe and secure?
- Safeguarding your personal information is very important to us. All Bread® checkouts use HTTPS secure encryption when transmitting data.