Bread Financing

 

 1646775314448-bread-financial-logo-226px-wide.png

Financing Available

Clear, transparent terms. Fair rates. No prepayment penalties.

GET YOUR RATE

Our Benefits

benefits icon
Straightforward Pricing

Simple, transparent terms. No prepayment penalties. No deferred interest.

pricing icon
Quick & Simple

Applying is easy. All we need is a few pieces of information and you get a decision in seconds.

applying icon 
Automatic Payments

Easily enroll into auto payments for added control and convenience.

payments icon
Not a Credit Card

Always know how much you’ll pay. Easy equal installments. No surprises.

 

 

Pay Over Time

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

calendar icon

Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

payment icon

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

calendar icon

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.

LEARN MORE ► 

 

Check your rate in seconds without leaving our site

GET YOUR RATE
 
 
 
 
Step 1 

Shop Online or In-Store

Add items to your cart. Choose Bread Pay and get a real-time decision without it affecting your credit score.

 

Step 2 

Select Your Plan

Check out with Installments or SplitPay with rates starting at 0% APR.

 

Step 3 

Complete Your Purchase

Get your item now and pay over time in monthly installments or four easy payments.

Bread financing image 

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.