Pay Over Time

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

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

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.

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

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Check your rate in seconds without leaving our site

Visit Bread Pay™ help center.

Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.