Refers to options offered to customers to purchase and take home merchandise paid in full by cash, check (subject to check payment policy) or credit card, or through a variety of alternative payment options, subject to in-store product availability. * $50 offer: Subject to approval and standard underwriting criteria. Products may vary by location. Terms and conditions subject to change without prior disclosure or notice. See agreement for details.

A consumer installment loan is originated by FinWise Bank, a Utah-chartered bank, Member FDIC and serviced by American First Finance (AFF). The loan may be funded by the bank to the merchant for you to purchase item(s) and/or service(s). In some cases, the loan is funded directly to your checking account for personal, family or household use.

A lease is not a loan or credit transaction. It has several names: lease, lease-to-own, rent-to-own, or rental-purchase. With a lease, you select the item(s) and a payment solution company, such as AFF. AFF purchases the item(s) from a Merchant. You take the item(s) home. AFF retains ownership until you pay for the item(s) plus rental fees. Other fees may be included, such as late, non-sufficient funds, delivery, and optional Liability Damage Waiver fees. As a result, the total amount you pay for leasing an item is more than the retail cost. You can cancel your lease at any time without penalty by contacting AFF. An example of your Lease payment for a 12-month term with weekly payments: if you leased a $1,000 couch and made a $50 (plus tax) initial payment or processing fee, you would have 52 additional weekly payments of $46.11. Your total lease payments would be $2,452.21 with full, timely payments over 12 months. Late fees, insufficient funds fee, and Liability Damage Waiver fees may also be included where permitted. You may be required to make an initial leasing payment or processing fee of $50 (plus tax) when you execute your lease. The total number of lease payments is based on your agreement and pay frequency.

A retail installment agreement is not a loan. You may enter into a Retail Installment Agreement with a merchant to purchase item(s) and/or service(s). AFF may purchase the Agreement from the Merchant. You may choose to take an in-stock item today, schedule delivery, or complete a service and pay overtime. A down payment may be required. An example of a Retail Installment contract payment based on a 12-month term with 26 bi-weekly payments: if you financed $1,000 and made a $50 down payment with an Annual Percentage Rate (APR) of 169.53%, you would have 25 bi-weekly payments of $74.79 and 1 bi-weekly payment of $75.06. The total amount repayable would be $1,944.81 with full, timely payments over 12 months. The total number of payments is based on the agreement and your pay frequency.

Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0.00%to 34.99% APR, resulting in, for example, 60 monthly payments of $27.61 at 21.99% APR, per $1,000.00 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.