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Available Financing

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Container Financing Offered by Bread:

Iron Ranch Containers is proud to announce our partnership with Bread to offer financing for shipping container purchases. This is not a rent to own plan, but rather a true financing option. Allowing customers to make payments on container purchases. Iron Ranch Containers has no input on interest rates or loan structure.

All financing is handled independently by Bread, and questions about how financing works can be answered on this page and on Bread’s Site. Bread is a separate company, not affiliated with Iron Ranch Containers in any way beyond financing of shipping containers for our customers who choose to use their service as a method of payment. Visit www.GetBread.com to learn more about Bread.

Some Frequently Asked Questions
(answers from Bread’s FAQ):

What is Bread?
Bread is a new type of financing platform. We help you pay for your purchases over time by making easy-to-understand monthly payments. We are committed to treating our customers with dignity. Our terms are clear and straightforward. We have no hidden fees. There is no prepayment fee. If you pay late or bounce a check, a ten dollar fee may apply, in addition to the amounts due on your loan.

How Do I Buy With Bread?
It’s easy. Shop at any participating store. When you’re ready to buy, click on the Pay Over Time button. Follow our simple application process. If you qualify, you’ll be shown the monthly cost of the item. You can quickly check out or, if you’d like to continue shopping, simply add the item to the merchant’s shopping cart and choose Bread as your method of payment when you check out.

How Does the Financing Work?
When you pay with Bread, you are able to pay for your purchase over time with simple monthly installment payments. Our goal is to make your purchases more manageable by letting you pay in a manner that matches your budget.

Who is Eligible to Apply for Bread?
U.S. residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity. Also, please note that if you apply to see if you’re qualified for Bread and if you are denied, you won’t be eligible to apply again for the next 90 days.

Why Should I Use Bread?
Our goal is to help you pay for your purchases in a way that matches your budget. We make it fast and easy for you to pay over time. For many borrowers, rates may be lower than with a credit card or other alternatives. We are committed to delivering a dignified customer experience, treating you with respect and providing you with clear and transparent terms.

Does Using Bread Impact My Credit Score?
You can check your rate and terms at any time without impact to your credit score. If we are not able to offer you credit or if you do not accept the terms there is no impact on your credit score. If you accept the terms and complete your purchase, once the merchant fulfills the order we will inform the credit bureaus the first time that you use Bread. This will only happen the first time you successfully complete a purchase with Bread. Subsequent purchases using Bread will not require us to post an inquiry to the credit bureau. As with other credit products, the number of inquiries is one of the factors that credit bureaus use to determine your credit score, and so this may affect your score. Bread is a loan. If you make all your payments on time you will be building a positive credit history which usually has a positive impact on your credit score. However, if you do not make your payments on time we may report this to the credit bureau. This will likely have a negative impact on your credit profile and score.

How Do I Make Payments?
Please make payments by logging into your account at members.getbread.com. We will guide you to set up electronic fund transfers (ACH) from your bank account. We will ask you to supply your bank account information to the site. So that you only need to do this once and never forget to make a payment, we will then ask you to authorize Bread to automatically debit your account for all your future Bread payments. Bread offers other payment options as well. For a full explanation of payment options, see your loan agreement and the Bread terms and conditions.

When Are My Payments Due?
Your first payment will be due at least 30 days after the merchant ships your order. Subsequent payments are due every month after that, usually on the same day of each month. (For instance, if your first payment was due on the 7th of a given month, future payments are generally due the same day each month. Of course, if your first payment was due on the 31st of a month or February 29th, we will make an adjustment.) You can see your full schedule of installment due dates in your account at members.getbread.com.

What is the Application Process Like?
It’s fast and easy. Click on the “Pay Over Time” button. You’ll be asked to provide some basic information about yourself. We use our technology to instantly find a plan that fits you. We then present you with clear, transparent terms. You can then choose to check out right away using the terms we offer you, or you can continue to shop and can check out when you are done.

Is Bread a Credit Card?
No. Our products are installment loans. You do not need to hold and manage yet another store card.

Can I Pay My Loan Back Early?
Yes! You can prepay anytime for all or part of your loan. There is never a penalty for paying early. Also, if you prepay more than the monthly payment but less than the total balance due on your loan, your monthly payment will remain the same. However, you will pay off your loan sooner and because of that you will pay less in total interest.

What Happens if I Don’t Pay?
If you don’t pay, you’ll receive reminders from us, and you will be charged a late fee of ten dollars. If you continue not to pay, we may report this to the credit bureaus, which can have a material negative impact on your credit score and ability to get credit in the future. So please do not take on more than you can responsibly pay back each month.

Is Bread a Bank?
No, we are not a bank. We provide services for our partner bank. When you use Bread, you are taking out a loan from our partner bank that will be managed by us. When you call us, you will always be speaking to a Bread representative.

How Can I Get Approved for a Loan Using Bread?
We work with our partner bank to look at various factors to determine the creditworthiness of any potential borrower, such as your credit score and repayment history on credit cards and other types of loans. We are very careful not to use any factor that could discriminate unfairly against any applicant.

How is the APR (Annual Percentage Rate) on My Loan Determined?
We work with our partner bank to look at the credit risk of you as a borrower, and we give you a rate that fits your credit profile. We present the rate to you in clear, simple terms. You are never obligated to accept it. Unlike with many credit cards, we strive to reward good borrowers with lower rates.

Are Payments with Bread Secure?
We take security seriously. We use state-of-the-art technology to keep all your information secure and encrypted.

Why Was I Asked to Pay for Part of My Purchase Up-Front?
Sometimes Bread can help to fund some but not all of your total purchase. In that situation, we allow you to split payment for your purchase by paying for part of the purchase price up front with a credit card, and financing the rest with Bread.

Why was I Declined for a Loan?
Unfortunately, we cannot always find a loan that’s right for you. If you believe we have made a mistake, please let us know. If you are declined, you will receive a notice from Bread within 30 days at the email address you provided to us, describing some of the reasons you were declined.

What if I get a Refund From the Merchant (Iron Ranch Consulting in this case)?
If you receive a refund from the merchant for all or part of the purchase price, we will proportionately reduce your monthly payments. If you have already been making payments at the original monthly amount, we will take the excess amount that you already paid and apply it to reduce your principal balance. (For further information, please see the question on paying early, above.) If you have already been making payments and the refund from the merchant exceeds your outstanding loan balance, we will close your loan and send you a check for the difference. Please note that if you’ve already been making regular payments, you will not receive a refund on the interest that you owed for the months before you received the purchase refund.

I Want to Cancel or Return My Purchase, What do I do?
As with any other purchase, please get in touch with the merchant (Iron Ranch Containers) about cancellations or refunds. If you have a cancellation or refund, your loan size will be reduced by the cancellation or refund amount.

I Have a Complaint. To Whom Do I Report It?
Please let us know right away. We work hard to do the best for our customers and we aim to treat you with respect and transparency. If we have fallen short of our goals, we’d like to know as soon as possible.

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