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.

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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 this to your Bread Pay merchant success point of contact for compliance review before you put financing-related marketing in front of customers.

How to change your loan program

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. Upon submission, your relationship manager will be in touch for next steps.

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:

Download Marketing Kit

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

drive.google.com

End of Year (Q4)- Cyber Monday & Black Friday-20221115T131933Z-001 (1).zip

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 classic platform. If you are on Bread Pay's new 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 program	Disclosure
3	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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	Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *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.