Dayton shaker cabinet style in painted White finish paired with Dayton in painted Carbon finish.

Pay Over Time With Bread®

Easy-to-use financing for your entire CliqStudios purchase.

CliqStudios has teamed up with Bread® to offer our customers a quick and easy way to apply for financing. With simple, straightforward terms, and easy-to-understand monthly payments, Bread® can turn your CliqStudios dream kitchen into reality today!

Get PreQualified
Prequalification will not affect your credit score

Learn About How it Works

Work With Your Designer

Finalize and approve your new CliqStudios kitchen design.

Apply and Buy

Review and select a payment plan to complete your purchase.

Pay Over Time

See your activity and make easy payments at

Payment Estimator

Enter a purchase value below to see your estimated monthly payment with Bread*. For more information, refer to the pop up which appears when you hover over the estimated amount.*

Your Estimate:

Quick, Simple Payments

Unlike credit cards, when financing your CliqStudios kitchen with Bread®, you’ll be paying a straightforward installment loan. You know each month’s payment, and the total cost, before you buy.

Easy Ways to Pay:

  • Debit Card
  • Check
  • ACH Transfer
  • Money Order

Frequently Asked Questions

CliqStudios is excited to offer Bread® as a financing option to our customers. We share many core values, including a commitment to top-notch, personal customer service and treating all customers with dignity. With clear, straightforward payment terms, no origination fees or prepayment penalties, there’s no better way to pay for your new dream kitchen!

Is Bread® a credit card?

NO! Unlike credit cards, when financing your CliqStudios kitchen with Bread®, you’ll be paying a straightforward installment loan. You know your monthly payment amount, and the total cost of the loan, before you buy. After you’ve made all your payments, you’re done!

How long does it take to prequalify?

NOT LONG! Bread®’s online application is fast and easy. You’ll be done in seconds, and checking your eligibility will not affect your credit score.

How do I buy my CliqStudios kitchen with Bread®?

IT’S EASY! Work with your CliqStudios designer to finalize and approve your new kitchen design. When you’re ready to complete your purchase, click on the “Pay Over Time” button on the payment screen. Follow Bread®’s simple application process. If you prequalify, you will see a full payment schedule and monthly cost of your CliqStudios kitchen. Then simply complete the check-out process by selecting Bread® as your payment method.

How do I make payments?

You can pay using a debit card, direct bank transfer, or by mailing a check. Auto-Pay is easy to set up so that you never miss a payment. Just follow the simple, step-by-step instructions on setting up payments when you log in at, which will guide you on how to set up an ACH payment from your bank account or use your debit card. You will have the option to automatically debit your account or charge your debit card for all future payments. c/o Bread Servicing Department P.O. Box 783186 Philadelphia, PA 19178-3186

When are my payments due?

Your first payment will be due at least 30 days after you complete checkout. Subsequent payments are due every month after that, usually on the same day of each month. (For instance, if your first payment was due on the 7th of a given month, future payments are generally due the same day each month. Of course, if your first payment was due on the 31st of a month or February 29th, we will make an adjustment.) Your fully personalized schedule of installment due dates can be seen in your account at

Can I pay my loan back early?

Yes! You can prepay anytime for all or part of your loan. There is never a penalty for paying early. Also, if you prepay more than the monthly payment but less than the total balance due on your loan, your monthly payment will remain the same. However, you will pay off your loan sooner and because of that you will pay less in total interest.

Am I eligible?

Applications may be declined or marked ineligible for the following reasons:

  • Billing address is in a state where the program is not available. Financing is not available in Iowa, Idaho and West Virginia.
  • Applicant does not meet minimum age requirements. In Alaska and Nebraska, individuals must be 19 years of age or older to apply. In all other states individuals must be 18 years of age or older to apply.
  • Applicant has a poor credit history or risk.
  • Applicant needs to provide additional information.

*Checking your rate will not affect your credit score. There’s no obligation to purchase when you prequalify for financing. Your terms may vary and are subject to credit approval. Rates range from 6.99% to 29.99% APR. All Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC