At Coolhorse, we know that investing in quality tack, saddles, and arena equipment is a big decision. That’s why we’ve partnered with Bread Pay™ to bring you simple, flexible financing options at checkout. With Bread Pay, you can split your purchase into affordable monthly payments that fit your budget — no hidden fees, no surprises. Whether you’re shopping online or in-store, choosing Bread Pay means you can get the gear you need today and pay over time.

No — prequalifying for Bread Pay™ won’t impact your credit score. It only uses a soft credit check. A hard inquiry would only occur if you decide to move forward with financing.

If you’re not receiving your Bread Pay™ verification code, first check your signal strength and confirm your phone number is entered correctly. If the issue continues, try restarting your phone or request the code again. For further help, contact Bread Pay™ customer support.

A Bread Pay™ Installment Plan lets you split your purchase into fixed monthly payments over a set period of time. You’ll know your payment schedule, interest rate (if applicable), and total cost upfront with no hidden fees or surprises. It’s a simple way to budget larger purchases while still getting the products you need today.

Most customers are eligible to apply for a Bread Pay™ Installment Plan. You’ll need to be at least 18 years old (19 in some states), have a valid U.S. address, and provide basic information for a quick application. Bread Pay™ uses a soft credit check for prequalification, so checking eligibility won’t impact your credit score.

The APR on your Bread Pay™ Installment Plan is based on your credit profile and the financing terms available at the time of purchase. When you apply, Bread Pay™ runs a soft credit check to show you the rates you may qualify for, and you’ll see your exact APR, monthly payment, and total cost before you complete your purchase.

Bread Pay™ SplitPay is a short-term, interest-free payment option that lets you divide your purchase into four equal payments, paid every two weeks. The first payment is due at checkout, and the remaining three are automatically charged to your debit or credit card with no interest or hidden fees.

Most customers are eligible to apply for a Bread Pay™ SplitPay plan. You’ll need to be at least 18 years old (19 in some states), have a valid U.S. debit or credit card, and provide a U.S. billing address. Approval is quick, and eligibility doesn’t require a full credit check.

No — checking your eligibility for Bread Pay™ SplitPay will not impact your credit score. SplitPay uses your debit or credit card for payment and does not require a credit inquiry.

Bread Pay™ SplitPay accepts most major debit and credit cards for payment. Prepaid cards, gift cards, and bank transfers are not supported.