0% APR available on 3 & 6 month financing*

Buy Now, Pay Later

Pay over time with low rates for up to 18 months. See what you qualify for in seconds with no effect on your credit score.

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Black Friday Financing

0% APR AVAILABLE ON 3 & 6 MONTH FINANCING*

See what you qualify for in seconds with no impact on your credit score

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Affordable Monthly Plans

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

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No Prepayment Penalties

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

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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.



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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.

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates, and 0% APR available.

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 to buy. Checking your rate won't affect your credit score.

FAQs

Use this text to answer questions in as much detail as possible for your customers.

Use this text to answer questions in as much detail as possible for your customers.