Financing

Easy Financing

Clear, transparent terms. Fair rates. No prepayment penalties.
0% APR available for 12-month financing* Checking your rate won't affect your credit score.

GET YOUR RATE

Pay over Time w/ Bread Pay

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

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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 or affecting your credit score.

GET YOUR RATE
Questions? Visit the Bread Pay help center.

Please note, your financial institution may charge you one or more non-sufficient funds or overdraft fees if any loan payment exceeds your account’s available balance. If you pay with a credit card, your credit card issuer may charge interest and/or fees.

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 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.