Financing

Buy Now, Pay Later

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

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

calendar icon

Affordable Monthly Plans

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

thumbs up icon

No Prepayment Penalties

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

clock icon

Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.



LEARN MORE ►


Check Your Rate in Seconds
Without Leaving Our Site

Questions? Visit Bread Pay™ help center.

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 12 monthly payments of $87.91 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.