Exclusive Financing Offer

Enjoy rates as low as 0% APR through February 28, 2026*. Minimum purchase of $1,000.00 is required.

Simple Application

Get a decision in seconds without affecting your credit score.

Straightforward Pricing

No hidden fees, prepayment penalties, or compound interest.

Flexible Options

Financing made easy

Step 1

Shop our website — Add items to your cart. Choose Bread Pay® and get a quick decision without affecting your credit score.

Step 2

Select your plan — Pick the option that works best for your budget.

Step 3

Complete your purchase — and pay over time.

*Rates and terms only for checkouts completed between now and 02/28/2026. Minimum purchase of $1,000.00 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% to 34.99% APR, resulting in, for example, 48 monthly payments of $31.50 at 21.99% 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.

Still have questions?

Visit Bread Pay® Help Center