The Interest rate is determined by our third party lender, Bread financing out of New Jersey. They will make a decision based upon your credit score. We are not aware of the terms made directly between you and them. They decide.
You can apply for financing on our website, and you will be notified of the interest rate where you can then decide if you want to follow through with completing the purchase or not.
Many of our customers find their terms to be very desirable. This is a popular way to pay with a low monthly payment.