Compare Your Financing Options
Both Klarna and Bread Pay let you split the cost of your order into manageable payments. They work a little differently — here’s the quick comparison so you can pick what fits your purchase best.
Klarna
Slice your purchase into payments — with 6 or 12 months of 0% APR if paid in full within the promo period.
- 0% APR for 6 or 12 months if balance is paid in full
- Standard APR is 19.99% if balance carries past promo period
- Quick application with instant approval decision
- Soft credit check — no impact on your credit score to apply
- Manage everything via your Klarna account online
- Available on most products in the store
Select “Klarna” at checkout to apply.
Bread Pay
Fixed monthly installments over longer terms — ideal for full rooftop tent setups, awnings, and bigger builds.
- APR from 0%–29.99% based on your creditworthiness
- Fixed monthly payments — same amount every month, no surprises
- Terms typically range from 12 to 60 months
- Soft credit check to see your rate — no impact on your score
- No prepayment penalties — pay off early if you want
- Minimum purchase of $50 required
Select “Bread Pay” at checkout to apply.
If you can pay your purchase off within 6 or 12 months and want to avoid interest entirely, Klarna is usually the better fit. If you’re financing a bigger build and want longer terms with predictable monthly payments, Bread Pay typically wins. You’ll see both options at checkout.
How It Works
Same simple flow regardless of which partner you choose:
Add To Cart
Pick your tent, rack, or full build and head to checkout.
Choose A Partner
Select either Klarna or Bread Pay as your payment method.
Apply In Seconds
Quick form, soft credit check, instant decision.
Get Your Gear
We ship as normal. You manage payments with your provider.
Future orders are even faster — one-click checkout with whichever partner you’ve already set up.
Klarna — Sliced Payments
Klarna is a global payment provider used by 70,000+ merchants and 60+ million customers worldwide. Through our partnership, qualifying customers get 0% APR financing if the balance is paid in full within 6 or 12 months. Klarna’s line of credit is issued by WebBank.
Promotional APR Details
At checkout, Klarna shows you which promo plan your order qualifies for. The headline offer:
- 0% APR for 6 or 12 months if you pay the full balance within the promotional period
- Minimum monthly payments are required — check your Klarna statement for the amount
- If the balance isn’t paid in full by the end of the promo period, interest is charged from the transaction posting date at 19.99% APR
- Non-promotional purchases also have a standard APR of 19.99%, subject to a potential $2 monthly minimum interest charge
Managing Your Klarna Account
Once approved, Klarna sends an email confirmation and payment reminders. You can review purchases and settle your monthly statement anytime at klarna.com.
Klarna Resources
Bread Pay — Monthly Installments
Bread Pay is a financing service from Bread Financial, with loans issued by Comenity Capital Bank. It’s designed for fixed monthly installments over longer terms — ideal for bigger overlanding builds where you want a predictable monthly payment.
Key Details
| APR range | 0% to 29.99% APR, depending on creditworthiness, loan amount, and term |
| Term length | Typically 12, 18, 24, 36, 48, or 60 months |
| Minimum purchase | $50 |
| Down payment | May be required depending on credit profile and purchase amount |
| Prepayment penalty | None — you can pay off your loan early at any time |
| Eligibility | U.S. residents 18+ (19+ in Alabama and Nebraska), valid U.S. address required |
How Bread Pay Affects Your Credit
When you apply, Bread Pay runs a soft credit check to show you the rate you qualify for. This does not affect your credit score. A hard inquiry only happens if you accept the loan terms and move forward. After your loan is active, Bread Pay may report repayment activity to credit bureaus — on-time payments can help build credit, missed ones can hurt it.
Managing Your Bread Pay Loan
Once your loan is active, you manage payments and view statements through the Bread Financial Member Portal at member-portal.breadpayments.com. AutoPay is available to make sure you never miss a payment.
Bread Pay Resources
Frequently Asked Questions
Will applying affect my credit score?
Applying with either Klarna or Bread Pay uses a soft credit check, which does not affect your credit score. You’ll see the rates you qualify for before committing to anything. A hard inquiry only happens if you accept a Bread Pay loan and move forward. Klarna’s standard application does not perform a hard pull.
How much can I finance?
It depends on the partner, your credit profile, and the purchase amount. Klarna shows your approved plan and amount at checkout. Bread Pay has a minimum purchase of $50, with maximum amounts and term options shown during application based on your credit profile.
Can I pay off my loan early?
Yes — with both partners. Bread Pay has no prepayment penalties, and paying down a Klarna balance early helps you stay within the 0% promo period. Either way, paying early can save you interest.
What happens if I miss a payment?
Missed payments can trigger late fees, interest charges, or impact your credit. Both providers send statements and reminders to help you stay on track. We strongly recommend enrolling in AutoPay (available with both partners) so you never miss a due date by accident.
Can I use financing on sale or discounted items?
In most cases, yes — financing applies to your full cart total including any active discounts. A few brands have restrictions; if so, you’ll see it at checkout. If you have a question about a specific product, email us at info@offroadtents.com.
What if I need to return my order?
Returns work exactly like a regular order — see our Shipping & Returns page. Once we process the refund, it’s credited back to your Klarna or Bread Pay account and your financing balance is adjusted accordingly. It can take 7–10 business days for the credit to appear after the return is processed.
Who do I contact about my loan or payments?
Once your loan or plan is active, all payment-related questions go through your financing partner directly — not through us. For Klarna: klarna.com/us/customer-service. For Bread Pay: breadfinancial.com help center. For anything about your order itself, email us at info@offroadtents.com.
Safety & Security
Both partners use modern security and encryption to protect your information and prevent unauthorized use.
- Klarna offers Zero Fraud Liability through their Buyer Protection policy. Read more on Klarna’s security tips page.
- Bread Pay loans are issued by Comenity Capital Bank, a federally regulated U.S. bank, with industry-standard data encryption and security protocols.
- Off Road Tents does not see or store your full financing details — the application happens directly between you and the partner.
If you ever spot suspicious activity on a loan or payment plan, contact your financing partner’s fraud line immediately.
Not Sure Which Option Fits Your Build?
If you have a specific product in mind and want to know which financing option works best for it — or if you want help understanding the terms before applying — just reach out. We’ll get back to you within one business day. Hours: Mon–Fri, Business Hours.
