Finance Your Cold Plunge — Pay Over Time

No. Bread Pay® uses a soft credit check to show you your prequalified rate. Soft checks do not impact your credit score. A hard inquiry only happens if you choose to complete a financing application.

Bread Pay considers more than just your credit score, including income, debt-to-income ratio, and credit history. Many customers with good or fair credit qualify. The fastest way to find out is to check your prequalified rate — it takes less than a minute and won't affect your score.

Financing terms typically range from 12 to 36 months depending on your credit profile and the loan amount. You'll see your specific term options after you check your rate.

No. You can pay off your loan early at any time without any penalty fees, and you'll save on interest by doing so.

As soon as your financing is approved and the order is placed, your cold plunge ships on our standard schedule — same as a paid-in-full order.

Yes. Add everything to your cart — cold plunge, cover, replacement filters, sanitizer — and the financing offer will be calculated on the total order value at checkout.

Bread Pay reports payment activity to credit bureaus, so missed payments may impact your credit. If you're having trouble making a payment, contact Bread's customer support directly through their help center — they may be able to work with you.

Bread Pay® is a financing solution from Bread Financial®, a publicly-traded financial services company (NYSE: BFH) with over $20 billion in managed receivables. They specialize in transparent point-of-sale financing with no hidden fees.

Yes. Bread Pay financing is currently available to US residents 18 years or older with a valid SSN.