Finance Your Cabinets with Lily Ann

No, Bread^® is not a credit card. When funding your Lily Ann project, Bread^® allows you to pay a direct installment loan. You’ll know your monthly payment and the total loan amount before you even buy. Once you’ve completed all your payments, you’re finished!

Not long at all! Bread^® offers an online application that’s simply speedy. You’ll know whether or not you’re prequalified within a matter of seconds. Prequalification will not affect your credit score.

Easy and simple! Whether you’ve worked with one of our expert designers or created your own price quotation, following the Bread^® application process at checkout is easy. Once you’ve reached the “Payment Information” portion of the checkout, select “Pay Over Time”. This will prompt the Bread^® prequalification application. In the event you are prequalified, a full payment schedule and monthly cost of your Lily Ann cabinets will become visible. You’ll simply complete the checkout and payment process by selecting Bread^® as your payment option.

Bread^® makes it easy to pay with either a debit card, direct bank transfer, or by mailing a check. Interested in Auto-Pay? You’ll need to follow the well ordered guidelines provided by Bread^® when you sign in to members.getbread.com. This will navigate you through setting up an ACH (Automated Clearing House) payment from your bank account, or it will allow you to use your debit card to complete the payments. Bread^® will also give you the option to authorize automated future payments, ensuring you never miss a payment.

Your first installment will be expected no less than 30 days after you finish checkout. Consecutive payments are expected each month from that point forward, generally on the same day each month. (For example, if your first payment was due on the 1st of the month, future payments will be due that same day each month.) Your completely customized payment calendar can be seen in your account at members.getbread.com.

Of course! You can prepay a portion or for the full amount of your loan anytime. There is no punishment in paying early. If you prepay more than your monthly payment but less than the total balance, your monthly payment will stay the same. If you do pay off your loan sooner, this will result in you paying less in total interest.

*Subject to approval of credit application. Some financing terms will vary based on purchase price and/or product. Rates range from 0% 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.