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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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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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No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.
Check your rate in seconds without leaving our site
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*Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0.00% to 34.99% APR, resulting in, for example, 36 monthly payments of $38.19 at 21.99% APR, per $1,000.00 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.