Buy Now, Pay Later. No prepayment fees.

Flexible Payment Terms of 6, 12, 24, 36 and 48 Months*

Heat & Cool has teamed up with Bread to offer quick, no hassle financing terms to our customers. You can choose the products you want to purchase and pay for it over time using financing.


Buy Now, Pay Later. No prepayment fees

Wherever you see the Bread financing button, you can click on it to apply. Simply provide the basic information that is requested. Prequalification does not affect your credit score. 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.

You will receive an email confirmation from Heat and Cool. 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 or 844.992.7312. You should also receive a notice from Bread regarding your application.


For more answers to questions, please 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 or 844.992.7323.

*Subject to approval of credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.