Get prequalified in seconds with Bread Pay, and rest easy knowing our eligibility check won't affect your credit score.
Choose the payment plan that suits you best. Take advantage of our 0% interest for 12 & 24-month financing*.
With Bread Pay®, there are no origination fees—just monthly payments made easy.
We offer a range of flexible financing options through Bread Pay® to fit your budget. Enjoy 0% APR financing for 12-24 months, or choose extended plans with competitive interest rates for 36 or 48 months.
Availability of terms may vary based on purchase price and/or product.
Down payment may be required. Subject to approval of credit application.
Qualifying for our 0% APR financing for 12 & 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.
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.
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.
BreadPay is primarily geared towards residential customers, offering convenient financing options for individuals purchasing our products for personal use. While it can be used by commercial customers in some cases, we do not recommend it because the program has limitations that may affect your ability to qualify for financing.
For better financing options tailored to commercial needs, please contact our Commercial Team at: 916-848-6083 (7am-5pm PT) to discuss alternative solutions that better suit your business requirements.
*Minimum purchase of $50 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.
