Pay over time at The RTA Store

The RTA Store sells ready-to-assemble kitchen and bathroom cabinets, garage cabinets and vanities online. We confirmed Bread Pay, Klarna, Affirm and Sezzle here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Bread Pay

Store offer
0% APR
Minimum purchase
$30
Plan lengths
12, 24, or 36 months
APR
0% to 34.99%
Credit check
Soft to check your rate

Checked Nov 9, 2026 Bread Pay is set up on the store’s website

Store offer, minimum and plan lengths are from The RTA Store’s website. APR and credit check are Bread Pay’s general terms.

Pay later

Klarna

APR
0% to 35.99%
Credit check
Soft for Pay in 4

Checked Nov 10, 2026 The store’s website says it offers Klarna

Store offer, minimum and plan lengths are from The RTA Store’s website. APR and credit check are Klarna’s general terms.

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 The store’s website says it offers Affirm

Store offer, minimum and plan lengths are from The RTA Store’s website. APR and credit check are Affirm’s general terms.

Pay later

Sezzle

APR
0% to 35.99%
Credit check
Soft check

Checked Nov 11, 2026 The store’s website says it offers Sezzle

Store offer, minimum and plan lengths are from The RTA Store’s website. APR and credit check are Sezzle’s general terms.

Takes PayPal

PayPal (Pay Later inside PayPal)

The RTA Store takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

What a plan could cost

Example: 72" Wide Twilight Garage Kit at $3,350.99 (price on Nov 11, 2026), paid monthly over 12 months with Bread Pay financing, where the store offers it.

Affirm Pay in 4: 4 payments of $837.75 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$279.25$3,350.99$0.00
19.99%$310.40$3,724.82$373.83
34.99%$334.96$4,019.50$668.51

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. The RTA Store advertises a 0% APR offer, but not everyone qualifies.

How to pay over time at The RTA Store

  1. Add what you want to your cart on thertastore.com (at least $30).
  2. At checkout or on the store’s financing page, choose Bread Pay, Klarna, Affirm or Sezzle.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about The RTA Store financing

Does The RTA Store offer financing?

Yes. We confirmed Bread Pay, Klarna, Affirm and Sezzle at The RTA Store on Nov 11, 2026. Options can change, so check at checkout before you buy.

Is there a minimum purchase to use Bread Pay at The RTA Store?

The RTA Store says the minimum is $30. Below that, Bread Pay may not show at checkout.

Does The RTA Store offer 0% APR?

The RTA Store mentions this offer on its website: 0% APR. Whether you get it depends on your credit and the plan you choose. Check the APR before you accept.

Will checking my rate at The RTA Store affect my credit score?

Checking your rate with Bread Pay is a soft check and does not affect your credit score. If you accept a loan, it may be reported to credit bureaus.

Can I use Bread Pay in a The RTA Store store?

We checked online shopping at The RTA Store only. If the store has physical locations, ask there whether financing is available.

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