Valentine’s Day 2023 Marketing Kit

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

Merchants have seen AOV increase up to 66% after enabling a 0% APR program as a promo within their loan offers*

*Data is based on a previous merchant’s loan activity dated February 10, 2022, through February 15, 2022. Results may vary by merchant and not all merchants will achieve these results.

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Important

Given that Bread Pay is a highly regulated financial product, you must follow all instructions and receive approval from our Compliance team before publishing these assets.

You must send financing-related assets to your Bread Pay merchant success point of contact for compliance review. You may not put marketing related to our products in front of customers without receiving approval.

Instructions

All templates must be submitted for review and approval prior to publishing to ensure compliance. There are different disclosure requirements based on the type of template selected, which is further described in sections below. Our Compliance team can assist you in selecting the correct disclosure to use. Do not select a 0% APR template if you do not offer the terms stated in the asset.

How to change your loan program

Don't miss this deadline; The last day to submit your promotional 0% APR term for Valentine’s Day is Wednesday, February 8th. Click here to submit. Upon submission, your relationship manager will be in touch for next steps.

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:

Required disclosure for non-0% APR templates

For non-0% APR templates, you must provide the SCA and bank disclosure. Many of the templates already include this language. The disclosure should be located either on the same page as the ad or on another page one-click-away.

Required Disclosure: Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.

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). The disclosure should be located either on the same page as the ad or on another page one-click-away.

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.