Financing

news and updates

 

Buy Now, Pay Later. No prepayment fees.

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

Heat & Cool has teamed up with with Bread Pay ® 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.

HOW IT WORKS

Buy Now, Pay Later. No prepayment fees

 

Wherever you see the Bread Pay 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 Pay 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 Pay 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 Pay, you can reach out to them directly at 844.992.7312. You should also receive a notice from Bread Pay regarding your application.

FAQ

For more answers to questions, please read Bread Pay’s Frequently Asked Questions. Should you still have any additional questions about Bread Pay’s financing program, you can reach out to them directly at 1-844-992-7323.

*Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 5.99% to 34.99% APR, resulting in, for example 48 monthly payments of $26.00 at 8.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.