Black Friday / Cyber Monday 2022 Marketing Kit

This holiday season, give your customers the option to buy now and pay later for their purchase over time with no added cost to them.

Bread Pay merchants have seen up to 46% of their overall Black Friday / Cyber Monday sales attributed to 0% APR loan terms, with many seeing average order values increase up to 3X their original amount.

Don't miss this deadline; The last day to submit your promotional 0% APR term for the sales holiday is Friday November 18th. Click here to submit.

Loan program changes are not possible for merchants referred from Fiserv partnership.

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Important

Given that Bread Pay is a highly-regulated financial product, you must follow all instructions highlighted below before putting these assets live on your site.

You must send financing-related assets to your Bread Pay merchant success point of contact for compliance review before you put that marketing in front of customers.

Instructions

You MUST link each asset to your financing page or to any page with the required disclosure listed at the bottom of this page. This is a compliance requirement to ensure marketing Bread Pay on your website is compliant with our marketing guidelines and regulatory requirements. Only promote a 0% APR term length if your account offers it.

Examples of assets in kit:

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Download Marketing Kit

The kit includes SEM, web, social, and email graphics. Download assets by clicking and downloading the Google Drive link below:

Required disclosures for 0% APR ads

If you are promoting a 0% APR program, please select the correct disclosure below by using the longest available term length in your program (even if it is interest-bearing). Please this disclosure one-click away from the graphic you are running.

You must also update the disclosure to specify when the promotion is available (“Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX.”).

These disclosures are specific to merchants offering 0% APR on Bread Pay's newest platform. If you are on Bread Pay's classic platform, please find required disclosures here. If you have any questions whatsoever, please feel free to reach out to your Merchant Success point of contact.

Longest term in your loan programDisclosure
3*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 3 monthly payments of $338.90 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.
6*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 6 monthly payments of $171.56 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
12*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 12 monthly payments of $87.91 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.
18*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 18 monthly payments of $60.05 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.
24*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. 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
36*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. Subject to approval of credit application. 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™ loans are made by Comenity Capital Bank, a Bread Financial™ company.
48*Rates and terms only for loans opened on XX/XX/XXXX to XX/XX/XXXX. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 48 monthly payments of $25.36 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.