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Bread Pay Financing

Financing Available

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

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Pay Over Time

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

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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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Questions? Visit Bread Pay™ help center.

*Subject to approval of credit application. Rates range from 0% 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.