Financing (Buy Now Pay Later)Updated 10 months ago

Buy Now, Pay Later. No prepayment fees.

Flexible Payment Terms of 6, 12, 24, 36, and 48 Months*

HeatAndCool.com has partnered with Bread to offer quick, hassle-free financing terms to our customers. You can choose the products you want to purchase and pay for them over time using financing.

HOW IT WORKS

Wherever you see the Bread financing button, you can click on it to apply. Simply provide the basic information that is requested. Prequalification does not affect your credit score. 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.

You will receive an email confirmation from Heat and Cool. When your loan has started, Bread will reach out to you directly to coordinate payments.

Why Was I Not Approved?

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, if you have any questions regarding your credit application with our financing partner, Bread, you can reach out to them directly at [email protected] or 844.992.7312. You should also receive a notice from Bread regarding your application.

FAQ

For more answers to questions, please 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 [email protected] or 844.992.7323.

*Subject to approval of the credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 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.