Finance It

Get 0% APR
for 24 months

Plunge now and pay over time with flexible financing through Bread Pay®. Terms apply.

Pay over time with Bread Pay®

Quick & Easy Application

Get prequalified in seconds with Bread Pay®, and rest easy knowing our eligibility check won't affect your credit score.

Pay Your Way

Choose the payment plan that suits you best. Take advantage of 0% APR financing, now available for up to 24 months.*

Zero Hidden Fees

With Bread Pay®, there are no origination fees—just monthly payments made easy.

Checkout with Ease

Once approved, you can choose the Bread Pay® option in the checkout to complete your purchase.

FAQs

What financing options do you offer?

We offer a range of flexible financing options through Bread Pay® to fit your budget. Enjoy 0% APR up to 24 months, or choose extended plans with competitive interest rates up to 48 months.

Availability of terms may vary based on purchase price and/or product.

Is a down payment required for financing?

Down payment may be required. Subject to approval of credit application.

How do I qualify for 0% APR financing?

Qualifying for our 0% APR financing up to 24 months is simple. Just select Bread Pay® at checkout, fill out a quick application, and get prequalified in seconds. Approval is based on your credit history and other factors. Once approved, you can split your purchase into monthly payments.

A $3,000+ purchase is required to qualify for 0% APR.

Can I pay off my financing early?

Absolutely! You can pay off your balance early at any time without any penalties or fees. This flexibility allows you to manage your finances in a way that works best for you, without the worry of long-term commitments or extra charges.

Does applying for Bread Pay® affect my credit score?

No, applying for Bread Pay® does not affect your credit score. When you apply, Bread Pay® conducts a soft inquiry which does not impact your credit score. This means you can see your eligibility without any risk to your credit health.

Is Bread Pay® financing available for commercial customers?

No. Bread Pay® only offers convenient financing options for individuals purchasing our products for personal, family, or household use.

We do have a commercial financing offering through Credit Key.

Bread Pay® Disclaimers

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% to 34.99% APR, resulting in, for example 48 monthly payments of $31.50 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.