Clear, transparent terms. Fair rates. No prepayment penalties.
PAY OVER TIME
Through Bread Pay™, we offer easy and affordable financing options so you can pay for your purchase over time.
AFFORDABLE MONTHLY PLANS
Buy now and pay for your purchase over time at competitive interest rates.
NO PREPAYMENT PENALTIES
Pay for your purchase with monthly payments and prepay at any time without penalty.
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 Over Time
Make flexible payments with our pay-over-time plans
Flexible monthly payment plans
3, 6, 12, and 24 month payment plans available*
Starting at 0.00% APR*
Available for purchases between $50.00 and $2,000.00
4 interest-free payments every 2 weeks**
Payments automatically applied to your debit or credit card every 2 weeks
Always interest-free (0.00% APR) §
Available for purchases between $30.00 and $1,500.00
* Amounts financed range from $50.00 to $2,000.00. Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0.00% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.15 at 9.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term.
** Available for purchases between $30.00 and $1,500.00. A temporary authorization hold will be placed on your debit or credit card to ensure your card will cover the first two payments. One payment will be immediately voided.
Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.
Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.