Pay Over Time

Through Bread Pay™, we offer easy and affordable financing options
so you can pay for your purchase over time.

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

0% APR Available

Our Tier 1 Credit Applications are eligible for 0% “Same As Cash” Financing.

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Easy Application

Get a decision in seconds with no obligation. Check your rate without credit impact. Safe, encrypted data.

*Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account's available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees. *Subject to approval of credit application. Rates range from 0% APR to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 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. Bank.