Pay Over Time With Bread®

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!

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.

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.

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 members.getbread.com, 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

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 members.getbread.com.

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.

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.