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.
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.
Fill your cart
Once you've selected the products you would like to order, simply add them to your shopping cart.
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*.
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.
Head on over to Bread Pay™ Help Center to learn more.