It's not on the "Advertised" list but I went directly to the lens and it came up as a purchase option.I just looked again, wasn't on the list. Did you make the purchase? I'm wondering why I don't see it
Nikon Financing through Breadpay
- Thread starter TexAg
- Start date
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I use Paypal Credit that offers 0% if paid in full before 6 months. Bought my 600PF and 400 4.5 this way, and I pay them off well before 6 months (usually in 2-3).
24 months would be even better!
24 months would be even better!
MLB01
Member
Kurt I was able to make the purchase of the 400 f/4.5 and use the promo. I use the link I received in my email.I just looked again, wasn't on the list. Did you make the purchase? I'm wondering why I don't see it
Cpollitt
New member
Got my Z8 from Nikon store with Bread pay free two day delivery 0% ins two years and this was when most sites put you on preorder have had no issues with Bread pay.
FYI - I have used PayBoo at the B-H, taking advantage of full payment and excusing my tax. On the 600PF that was a bunch of cash saved, as well as the Z8. Each time I receive an email suggesting when I should send payment so it will be processed in proper time frame. So they are on the ball, I say. Both times I had already sent in full payment, but still, I think it is good they take care to alert the due payment
The PayBoo option would save tons of money, but then you’re locked into being on potentially endless wait lists on for new, high-demand, low inventory, product releases (800PF, 180-600, 400 & 600TC, etc). Paying tax vs. getting it sooner from a smaller store 
Calson
Well-known member
I prefer to buy from B&H and use my linked Payboo account for no sale tax on the transaction. With a Z8 that amounts to a savings for me of $342 which is significant.
Yes but the colored Zf models are not part of the payment plan; only black qualifies.Hey Zf comes in colors! Sunset Orange is the closest
https://www.nikonusa.com/en/nikon-products/product/mirrorless-cameras/13599/z-f.html
I'm also using it for my Z8. No issues, and process was quick and straightforward.
Using Payboo save sales tax, but what is the interest rate on the loan? Is it 0% interest as well?
I can't answer that - on checkout I click the full payment to save tax box. However they do offer a no interest (but tax included in price) for a 12 month time frame. If a payment is missed or short, I'd assume interest kicks in, big time.
Works great for me.
Dave Stargazer
Well-known member
It's one benefit or the other - you choose if you "pay no tax" or "0% interest for X months" - not both. Note that the bank gets final approval before making this loan (but I think they tell you right away if you're eligible).
Cheers!
I'll take two!!! Ooops, missed the special financing deadline.... so I guess not.Yes, good on cameras including the Zfc in coral pink. Who is ordering with me?
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I used this option for a Z 70-200 and a Z 1.4 TC last year and things are working out for me, so far. They are very good about sending e-mail reminders that a payment is due in advance. One way I try to stay in good graces is to make payments about a month early. Then again, with the paltry interest rate I'm getting from my bank, it really is doing me little good.
I have financed a few things with them and always had a good experience, I set up auto pay so it gets paid every month on time with no hassles.
StevieJSmall
Well-known member
Payboo is either/or. Take the savings on tax, then full amount is due by next statement billing otherwise you’ll pay anywhere from 23-29% interest on balance based on what you qualified for when you opened the card.
If you take the 0% option, then you don’t get to save on tax.
StevieJSmall
Well-known member
I’ve financed several items from Nikon using bread and all have been easy and painless.
I only ever take advantage of 0% for 24 months when offered as I like the longevity of the option.
That being said, I personally never do it unless I can pay cash for it up front in full. I don’t like debt in principle but doing the financing allows me to grow the money a little bit with interest made in whatever savings vehicle I have it in. It isn’t much but it’s better than nothing.
I only ever take advantage of 0% for 24 months when offered as I like the longevity of the option.
That being said, I personally never do it unless I can pay cash for it up front in full. I don’t like debt in principle but doing the financing allows me to grow the money a little bit with interest made in whatever savings vehicle I have it in. It isn’t much but it’s better than nothing.
I look at it this way, I am using their money for free. With auto pay it is lot less painful to take a little at a time than it is to take one huge amount from my checking account.
I haven't used it YET, but I sure wanted to take advantage of it and get another Z9, but thought my wife would go nuclear so put it off.
Hmmm my B&H card is through comenity or however they spell it. It used to be synchrony which is who adorama and Amazon use.
I find if you make your payments on time all of these companies are good. I’m assuming as I’ve never missed a payment.
Oldnintheway
Well-known member
Read the bottom paragraph from my post, which is copied from their website. I've also always paid in full to save the tax so no experience otherwise.
ccirelli
Well-known member
I love the 0% / 24 month offers from Nikon / Bread Pay, used it to grab my Z8 last June. Easy & fast system. They seem to pop up about every 2-3 months. Only downside is I prefer to buy from B&H, they offer 0% @ 12 months via Payboo of course. So both are good options when needed / preferred.
I almost grabbed a lens the other day (85 1.8, which I sold a while ago and now want back) but I held off.
^ Me patting myself on the back
I almost grabbed a lens the other day (85 1.8, which I sold a while ago and now want back) but I held off.
^ Me patting myself on the back
Not sure how they work, as I, too, shy away from them. I suspect that if you are late with a payment, interest rates jumps up and may apply to the entire amount financed. If you are careful about paying on time, you will do okay.
I have similar misgivings about B&H PayBoo card so when I charge anything I have (1) automatic payment and (2) I often pay it manual before the due date. Don't want to get burnt 20+% interest rates which take multiple cycles to clear
Or for us in high state tax areas, not paying 10% state sales tax is real plusI love the 0% / 24 month offers from Nikon / Bread Pay, used it to grab my Z8 last June. Easy & fast system. They seem to pop up about every 2-3 months. Only downside is I prefer to buy from B&H, they offer 0% @ 12 months via Payboo of course. So both are good options when needed / preferred.
I almost grabbed a lens the other day (85 1.8, which I sold a while ago and now want back) but I held off.
^ Me patting myself on the back
BarryR
Member
Curious, who actually pays the sales tax to the State, County and City to where you reside when purchased thru Payboo at/on B&H...? cuz, your still on the hook for it...