Train today. Pay later. With Bread Pay®.
Buy your Connect Bike, Smart Rower, or Smart Treadmill now with Bread Pay, and pay later as low as 0% APR. ††
How it works
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Select your product and plan
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At checkout, select Echelon Financing to apply
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If approved, select the offer that works best for you
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Pay over time in monthly installments
Echelon partners with
Easy, straightforward financing
Make your favorite items more affordable with Bread Pay!
Apply through our easy online application. Check your eligibility within seconds with no impact to your credit score. If approved, complete your purchase today. Future purchases are quick & easy--come back and shop again!Financing As Low As 0% APR††
- Quick Credit Decision
- No Upfront Costs
- Automatic Payment Options
- 24/7 Online Account Access
Looking for Personalized Financing?
Secondary lender Concora
Overview:
- Looking for offers won't affect your FICO score.
- Affordable monthly payments.
- Repeat purchase capability, subject to credit availability.
To manage your Concora credit Account or for more information, please click https://concoracredit.myfinanceservice.com/.
Tertiary lender (lease to own) Katapult:
WHO IS KATAPULT?
Katapult has reimagined lease-to-own for the better, with lease-purchase plans designed just for you. There’s no credit required, no surprises, and never a late fee, ever. Katapult’s technology looks beyond credit scores to understand your journey, opening up new purchasing power. Apply for a Katapult plan now, and in minutes you could be shopping for the essentials you need in-person, online, or with Katapult’s app. It’s your path from “need” to “own.”
WHAT IS LEASE TO OWN?
Lease to own opens up paths to ownership by enabling recurring payments toward owning goods outright. You have no long-term obligation to continue leasing, and can return the product to Katapult at any time with no further obligation other than for amounts past due.
Lease-to-own gives you the power to purchase what you need when you need it.
BENEFITS:
- Real purchasing power. Up to $3,500 in lease pre-approval, based on your individual plan.
- Fast approval. Get a decision in 5 seconds or less.
- Zero surprises. Total transparency. Never a late fee–ever.
- No credit required. Our AI looks deeper to understand your journey.
- Hyper-flexible purchase plans. Pay over time, purchase anytime.
- Help when you need it. Award-winning customer service, with 4.4 stars out of 5 on Trust Pilot.
- Purchase leased items within 90 days to save the most.
HOW TO KATAPULT:
- Go shopping online.
- Apply for Katapult via Echelon Financing.
- Apply, verify identity and payment info.
- Receive an instant decision.
- Review and submit your order.
- Look for a welcome email from Katapult.
FAQs
Echelon Financing is a program that allows you to pay for your Echelon equipment purchase over time in fixed monthly payments. We connect you with our lending partner where you can apply for financing. If you are approved, you can select the financing offer that works best for you and set automatic payments. This allows you to purchase Echelon equipment today and pay for it over time.
You will receive a monthly statement from Citizens. Citizens will notify you when your statement is available to view and provide a link so you can easily access your account via Citizens secure portal. The Citizens secure online portal allows you to view your account balance, enroll or update your automatic payments or make an additional payment.
*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, 48 monthly payments of $31.50 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.