Bread Pay® Financing
Pay over time
We've partnered with Bread Pay® so you can make flexible payments on your purchase with our pay over time plans.
0% APR options available*
Pay as low as 0% APR for up to 18 months or pay up to 36 months at competitive rates*
Simple application
Get a decision in seconds without affecting your credit score.
Straightforward pricing
What you see is what you get. No hidden fees, prepayment penalties or compound interest.
Flexible payment options
Pay for your order over 6, 12, 18, 24, or 36 months at competitive rates.*
Financing made easy
Step 1
Shop our website
Add items to your cart. Choose Bread Pay® and get a real-time decision without affecting your credit score.
Step 2
Select your plan
Pick the option that works for your budget.
Step 3
Complete your purchase
And pay over time.
Still have questions?
Help center*Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0.00% to 34.99% APR, resulting in, for example 12 monthly payments of $93.59 at 21.99% APR, per $1000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term.
Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.