Pay over time

Financing
Available

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

Low monthly payments

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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Check your rate in seconds
without leaving our site

Low monthly payments
Questions? Visit Bread Pay™ help center.

*Subject to approval of credit application. Rates range from 5.99% 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-over-time plans are loans made by Comenity Capital Bank.