Ride now, pay later

Pay over time for as low as 0% APR*

Clear, transparent terms. Fair rates. No prepayment penalties.

Get My Rate

0% APR Available for 6-Month Financing*

We provide easy and affordable financing through our partner, Bread®, so you can pay for your purchase over time.

Affordable Monthly Plans

Pay for your order over up to 24 months at competitive interest rates, or over 6 months at as low as 0% APR.*

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.

No Prepayment Penalties

Pay more than your minimum payment to lower your interest charges, without prepayment penalties.


$1,000 Financing


Surfboard Package
Payments Example Payments Example

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 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.

See if you

Prequalify Now

Fill out some basic information to apply for your rate in seconds. Checking your rate won't impact your credit score.**

Get My Rate

**Once you have taken out a loan and placed your order, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.


If you have questions related to financing, check Bread's Help Center or reach Bread directly at support@getbread.com or (844) 992-7323.

Bread logo


Check Bread's FAQ or reach Bread directly at support@getbread.com or (844) 992-7323 ext. 1.

*The terms are for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 6 equal monthly payments of $166.67 at 0% APR, or 24 equal monthly payments of $45.22 to $55.91 at 7.99% to 29.99% APR, per $1,000 borrowed. Your terms may vary and are subject to credit approval.

Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.