How financing works
Add your desired item to the shopping cart and proceed to checkout.
Once in the checkout, make sure you "check out as guest", especially if you've used ShopPay before.
Choose "Pay Over Time with Bread Pay" option to apply for financing.
Bread Pay will instantly pre-qualify you. This eligibility check won't affect your credit score.
Once qualified, select a payment plan that works for you from the available options of 12, 24, 36, 48 months.
Complete your purchase and get ready to change your life!
What if I don’t see Bread Pay at checkout?
If you are not seeing the option to checkout with Bread Pay please try the below troubleshooting options.
- Do you have any subscriptions in your cart? If yes, please remove it (you’ll need to place a second order with a credit/debit card). Recurring subscriptions cannot be put on a purchasing plan with Bread Pay since the loan would never end!
- Is your computer/tablet/phone automatically logging you into Shop Pay and auto-populating your payment information?
Here’s a link for instructions on how to log out
- Lastly, web browsers store information in their cache and cookies. Sometimes that can cause problems with auto-filling card information and not showing the option to use Bread Pay. Below are links with instructions on how to resolve this problem based on which browser you are using.
On a Computer:
Internet Explorer/Microsoft Edge
On an iPhone/iPad:
On an Android:
If none of these tips resolve your Bread Pay issues, please give us a call at 916-545-6304.
Will Bread Pay affect my credit score?
Creating a Bread Pay account through Plunge and seeing if you prequalify will not affect your credit score. If you decide to make your purchase with Bread Pay, these things may affect your credit score: actually making the purchase with Bread Pay, your payment history with Bread Pay once you have a loan, how much credit you've used, and how long you’ve had credit.
Does Bread Pay charge interest and fees?
Fees - Bread Pay doesn't charge any fees. That means no late fees, no prepayment fees, no annual fees, and no fees to open or close your account.
Interest - Your payment will only include interest for the 24, 36 or 48 month options or if for some reason your credit score is below desired levels. You’ll never owe more interest than you agree to on day one—so you always know exactly what you’re getting into.
What does it mean to prequalify?
When you prequalify, you get an estimate of how much you can spend with Bread Pay. You don’t have to use the full amount, and you’re not on the hook to pay anything back until you actually make a purchase. If you decide to make the purchase, Bread Pay will formally pull your credit and underwrite the loan for you.
What if I need to return or cancel my order?
You can file a return on our website the same way you would normally. Go to the contact center.
In terms of how you get refunded from Bread Pay, go to https://www.breadfinancial.com/en/help-center.html.
*Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 36 monthly payments of $30.42 at 5.99% 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.