Apply in seconds and get a fast credit decision with no obligation to buy. Bread offers clear terms, competitive rates, and no prepayment penalties.

6-Month Promotional Financing: Qualified buyers may be eligible for payments as low as 0% APR for 6 months*.

Affordable Monthly Plans: Available terms may include 6, 12, or 18 months, depending on approval.

No Prepayment Penalties: Pay ahead or pay off early anytime without penalty.

How to use it: Simply select Bread financing during checkout.

*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 18 monthly payments of $60.05 at 9.99% 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.

Need a new saddle, but still have one to sell? Our EZ Trade-In Program makes it simple. You can apply the trade-in value of your current saddle toward a new purchase and take advantage of discounted shipping.

• Step 1: Email pictures of your saddle along with the model name, serial number, and any helpful details to support@horsesaddleshop.com.
• Step 2: We’ll help you with a discounted shipping label so you can send your saddle in for trade-in credit.

If you’ve found the saddle you want but aren’t ready to pay in full, our layaway option helps you secure it before someone else does.

• Step 1: Call 1-800-448-1602 or email support@horsesaddleshop.com to confirm the item is still available.
• Step 2: Reserve your item with at least 30% down.
• Step 3: Pay the remaining balance within 90 days, and we’ll ship your item once it’s paid in full.

*Cancellation Policy: Once an initial payment is made, there is a 10% cancellation fee based on the original order amount.