On any product page, click on the "pay over time" button to apply. Simply provide the basic information that is requested. Pre-qualification does not affect your credit score. Our partner Bread 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 right from Bread's application window. You will receive a confirmation email from Sauder. When your loan has started, Bread will reach out to you directly to coordinate payments.

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, you can reach out to them directly at info@getbread.com or 844.992.7323 Ext. 1. You should also receive a notice from Bread regarding your application.

Please click here to read Bread's Frequently Asked Questions. Should you still have any additional questions about Bread's financing program, you can reach out to them directly at info@getbread.com or 844.992.7323 Ext. 1.