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Buying the heating and outdoor living products you need to stay cozy year-round is now quick and affordable!

Factory Buys Direct is excited to announce we have partnered with Bread, an innovative financing platform that makes it easier for our customers to pay for purchases overtime. Through this partnership, you now have access to easy financing customized to fit you and your budget!

How does Bread financing work?

Bread® pay-over-time plans are loans made by Comenity Capital Bank. When you are interested in purchasing one of our products through financing, Bread will use a soft inquiry to check your rate and, if you pre-qualify, you will be shown what financing options may be available to you. Checking your rate will not affect your credit score, and you are not obligated to make a purchase. Here are some of the perks:

  • Easy and Affordable Financing
  • Buy Now and Pay Later
  • No Paperwork and No Obligations
  • Transparent Terms, No Prepayment Penalties or Origination Fees!


See if you pre-qualify


What do I have to pay?

Our new financing program with Bread is designed to fit you and your unique budget! If you pre-qualify, you will be provided with terms and monthly installment payments. You can choose which terms and rates fit you best and will not be penalized if you decide to pay off your whole remaining balance at any given time.

How do I finance with Bread?

Click on the Pay Over Time button when you are ready to check out to begin the online application. Submit your basic information with Bread, and if you pre-qualify, Bread’s technology finds a plan that fits you in seconds. If you would like to use Bread to buy more than one item, continue adding items to your cart and then select Bread as your method of payment when checking out.

Is it safe?

Yes! We care very much about the safety of your personal information and do our best to help ensure it remains protected and encrypted through up-to-date technology, our Norton Shopping Guarantee, and our partnership with Bread

By partnering with Bread, we hope our customers will have an easy, affordable way to pay for purchases over time without the hassle of paperwork, origination fees or prepayment penalties.  Our Bread financing is transparent and doesn’t include penalties or an obligation to purchase after checking your rate.  Buy the products you need to stay cozy now and pay for them later at a rate that fits you!

Questions & Phone Orders

Contact Us

Headquarters, Customer Care
2701 Industrial Drive
Bowling Green, Kentucky 42101

Shop with Confidence

Shop with Confidence

Norton Shopping Guarantee.

30 Day Moneyback Guarantee


If you are not satisfied with an item that you have purchased, you may return it within 30 days from the date received.

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