When making a purchase directly from XTERRA, you may choose to pay for your item(s) at checkout via your credit card in a single payment, or you may choose to finance your purchase over a period of time through our partner, Bread.
How does Bread work?
- Add items to your cart and choose Bread at checkout. Get a real time decision without it impacting your credit score.
- Select your plan. Checkout with installments or SplitPay rates starting at 0% APR.
- Complete your purchase. Get your item now and pay over time in monthly installments.
Bread Financing FAQs
Am I eligible to buy with Bread?
U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.
Does checking out with Bread impact my credit score?
Checking your rate does not affect your credit score as only a soft pull is completed to check your eligibility. If you choose to finance your purchase with Bread after your pre-approval, Bread will not perform a hard inquiry with any of the three major credit reporting agencies.
Once you have taken out a loan, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. Bread may also obtain your credit profile from smaller credit reporting agencies.
Does Bread report to the credit bureaus?
Yes, Bread reports repayment information to consumer reporting agencies.
Can I change the terms of my loan?
You will not be able to adjust your loan terms after you have checked out.