The loan decision is made by Bread, our 3rd party lender. Their decision is based upon your credit score and other criteria such as on-time payments. We are not aware of the terms made directly between you and them. They decide. You will be notified of the interest rate when you checkout and you can then decide if you want to follow through with completing the purchase or not at that time. You will get your decision in seconds. The process is quick and easy.
