Flexible Ways to
Buy Now & Pay Later

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Benefits of Buying with Bread Pay™

When inspiration strikes, Bread Pay™ offers you an easy and convenient way to buy the things you want now and pay over time. Select Bread Pay™ at checkout to pay over time with clear transparent terms; fair rate; and no prepayment penalties. Get a decision in seconds with no obligation to buy.


Straight forward Pricing

Clear, transparent terms. Fair rates. No prepayment penalties.


Quick & Simple

Applying is easy. All we need is a few pieces of information and you get a decision in seconds.


Automatic Payments

Sign up for automatic payments for a convenient way to pay off your loan each month.


Not a Credit Card

Bread Pay™ provides a simple solution to pay over time. Make easy monthly payments.

How it Works

  • Step 1:

    Fill your cart

    Once you've selected the products you would like to order, simply add them to your shopping cart.

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    Step 2:

    Select Your Plan

    Choose Bread Pay™ as your payment option. Enter a bit of information and Bread Pay™ will provide a decision in seconds. Pay for your order over 3, 12, 18, or 24 months at competitive rates as low as 0% APR*.

  • Step 3:

    Complete Your Purchase

    Confirm your order & make sure all your information is correct. After checkout is complete we will process & ship your order right to your door.


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% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 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.

Still Have Questions?

Head on over to Bread Pay™ Help Center to learn more.

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