PAY
FORYOUR PURCHASE
Get a decision in seconds without leaving our site.
WHY CHOOSE TO PAY OVER TIME?
Affordable Monthly Plans
Pay for your order over 6, 12, or 24 months at competitive interest rates.*
No Prepayment Penalties
Pay for your purchase with monthly payments and prepay at any time without penalty.
Quick and Easy Application
Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.
FREQUENTLY ASKED QUESTIONS
How does it work?
On any product page, click on the "pay over time" button to apply. Simply provide the basic information that is
requested. Pre-qualification does not affect your credit score. Our partner Bread is committed to keeping your personal
information secure and uses its technology to encrypt that data. If you are offered loan terms that are satisfactory to
you, and have finished shopping, you can check out and complete your purchase right from Bread's application window.
You will receive a confirmation email from Sauder. When your loan has started, Bread will reach out to you directly to
coordinate payments.
Why was I not approved?
Unfortunately, we do not have any control over the underwriting decision. We would still encourage you to move forward
with the transaction with an alternative payment option. Further, should you have any questions regarding your credit
application with our financing partner, Bread, you can reach out to them directly at info@getbread.com or 844.992.7323 Ext. 1.
You should also receive a notice from Bread regarding your application.
Still have questions?
Please click here to read Bread's Frequently Asked Questions.
Should you still have any additional questions about Bread's financing program, you can reach out to them directly
at info@getbread.com or 844.992.7323 Ext. 1.
SEE YOUR RATE QUICKLY
More Questions?
*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly
payments of $46.14 at 9.99% APR, per $1,000 borrowed.
APRs will vary depending on credit qualifications, loan amount, and term.
APRs will vary depending on credit qualifications, loan amount, and term.
Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.