ShopWildThings interviewed multiple different Consumer Order Financing companies over the course of several years before finally settling on Bread Financing. We felt that the integrity of the company, along with fair payment terms and ease of use matched our dedication to taking care of our customers. Both of the payment options that we are offering take seconds and getting your rates will not affect your credit score. See what you qualify for with NO commitment and you can always change your options before you place your order. Your order will ship right away, just like you were choosing any other payment option. On the Left: Loan with Installment Payments (up to $10k with interest rates from 0% to 29% depending on your credit score) On the Right: 0% interest, you pay 25% down today and 3 more payments of 25% each. Once the order in your cart is over $499, the Bread Payment option will show.