Payment Plans

1. Add SpotOn Fence to your cart and proceed through checkout. Be sure to remove any subscription plans from your cart. Those aren’t eligible for payment plans, and can be purchased in a separate transaction.

2. For your payment, choose Bread Pay™. If this option is not visible, make sure you’re not signed into the Shop app. Try using an incognito browsing window, or completing checkout on a

3. Check your eligibility and get a real-time decision without affecting your credit score. Pick the option that works for your budget. Monthly payments as low as $45.23/mo starting at 0.00% APR**.

**Amounts financed range from $50.00 to $10.000.00. Availability of terms may vary based on purchase price and/or product. Down payment may be required. 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™ loans are made by Comenity Capital Bank, a Bread Financial™ company. For questions about Bread Pay™, visit BreadPayments.com.

What is Bread Pay™?

Bread Pay™ is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay™ products include the Bread Pay™ Installment plan, with terms from 3 to 48 months, and the Bread Pay™ SplitPay plan, with four payments made every two weeks, each payment being 25% of the original purchase amount.

Does prequalifying for Bread Pay™ impact my credit score?

Checking your eligibility does not affect your credit score since only a soft inquiry is completed. If you choose a Bread Pay™ payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies. Bread Pay™ may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.

I want to find out if I’m eligible for Bread Pay™. Will this impact my credit score?

Checking your eligibility does not affect your credit score since only a soft inquiry is completed. If you choose a Bread Pay™ payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies. Bread Pay™ may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.

What should I do if I am not receiving my mobile verification code?

Please wait a few minutes before requesting a new mobile verification code to avoid receiving multiple texts with different codes all at once. The phone number you provide must be a mobile number that is able to receive text messages.

You’ll have five attempts to validate your mobile verification code before being blocked for 15 minutes. If you are still not receiving a mobile verification code, we recommend you request a new verification code by selecting "Resend code".

We’re unable to send codes to prepaid or Cricket phones. If you have this type of phone or need additional assistance receiving a code, please contact our Member Support team here.

FINANCING FAQs

What is a Bread Pay™ Installment plan?

A Bread Pay™ Installment plan is a pay-over-time technology solution that helps you make purchases with easy-to-understand, equal payments. With our installment plans, you pay us back monthly over 3 to 48 months with APRs ranging from 0% to 29.99%. Keep in mind, the available loan terms may vary based on the retailer.

How is my credit eligibility determined?

Bread Pay™ works with their bank affiliate, Comenity Capital Bank, which determines eligibility by reviewing factors such as your credit score and repayment history.

How is the APR on my Bread Pay™ Installment plan determined?

The Bread Pay™ bank affiliate, Comenity Capital Bank, determines the APR based on a variety of factors. These factors typically include your credit history and credit score, amount financed and length of the term, though other factors may be considered.

Does checking out with a Bread installment loan impact my credit score?

Checking your eligibility does not affect your credit score, as only a soft inquiry is completed. If you choose a Bread payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies. Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. *

What installment plan payment methods do you accept?

Bread Pay™ Installment plans can be made using ACH funds transfer or a personal debit card. You cannot make payments on Bread Pay™ Installment plans with a credit card, business debit card, bill pay or check. Additionally, Bread Pay™ does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer. Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

Downpayment FAQs

Do I need to make a down payment as part of my pay-over-time plan?

Bread Pay™ may ask you to make a down payment as part of using their Bread Pay™ plan. This will depend on the amount of your purchase and your credit eligibility. Let’s say the total amount you’re purchasing is $2,000 - and you’re eligible to pay $1,500 over time. When presented with your plan options, you might be asked to make a $500 down payment at checkout. You select your plan for your eligible amount, $1,500.00 in this case, and make your down payment at checkout. You'd then make regular monthly payments as per your loan agreement.

Why am I asked to reduce my purchase amount when using a pay-over-time plan?

In some cases, Bread Pay™ may ask you to reduce your cart amount as a part of using a Bread Pay™ plan. That’s because the amount you’re eligible to pay over time is less than your purchase amount.

Let’s say the total purchase amount is $2,500 - and you’re eligible to pay $1,500 of this over time. You may be asked to reduce your purchase amount by $1,000. After doing this, you would have a balance of $1,500. You'd then make regular monthly payments as per your loan agreement.

Why am I asked to reduce my purchase amount and make a downpayment when using a pay-over-time plan?

In some cases Bread Pay™ may ask you to reduce your total purchase amount and make a down payment to use a Bread Pay™ plan. That’s because the the pay-over-time amount you’re eligible for is less than your purchase amount and there are limits on how large of a down payment you can make, as set by Bread Pay™ and the retailer.

Let’s say the total purchase amount is $3,500 - and you’re eligible to pay $1,500 of this over time. You may be asked to reduce your purchase amount by $1,000 and also make a down payment of $1,000 at checkout. After reducing the purchase amount and making the down payment, you would have a balance of $1,500.00 to pay over time. You'd then make regular monthly payments as per your loan agreement.

QUESTIONS

Learn more at BreadFinancial.com.

1. Add SpotOn Fence to your cart.

2. Check out with Shop Pay™.

3. Choose the option to pay in installments.

4. Your first payment is due at checkout.

The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.

Which payment methods are accepted if I use the option to pay in installments on Shop Pay™?

For non-interest-bearing orders (installments), debit and credit cards are accepted through Shop Pay™.

Is there a limit to how much I can spend on a single Shop Pay Installments order?

Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay™ Installments, including discounts, shipping, and taxes.

Are there late fees?

No, there are no late fees if you miss a scheduled payment.

What if I miss an installment payment?

There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay™ Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.

What if I make a return on a purchase made through installments with Shop Pay?

Contact customer support and our team will advise if a return is possible. If a return is possible, SpotOn will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.

If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.

If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.

If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.

FINANCING FAQs

Can I finance SpotOn collars using Shop Pay™?

Monthly installment orders are also available via Shop Pay™. These are interest-bearing running from 0 to 36% APR based on your qualifications and may be paid in three, six, or twelve months depending on the purchase amount.

*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses. For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.

Which payment methods are accepted if I finance?

For interest-bearing orders, Shop Pay™ requires payments to be made by debit card.

Can I pre-qualify for a purchase amount before making my purchase?

No. An application for Shop Pay™ can only begin with a live checkout. Applying only takes a few steps and you’ll get a real-time decision in minutes.

HAVE MORE QUESTIONS?

For questions about installment payments on Shop Pay™, visit shoppay.affirm.com.