Pay over time for as low as 0% APR for 6 months*
Clear, transparent terms. Fair rates.
No prepayment penalties. No hard credit check.
Pay over time for as low as 0% APR for 6 months*
Clear, transparent terms. Fair rates.
No prepayment penalties. No hard credit check.
How do I finance my
purchase online?
It’s easy. When you’re ready to buy, click on the "Pay Over Time" button. Follow our simple application process. If you pre-qualify, you’ll be shown the monthly cost of the item. You can quickly check out or, if you’d like to continue shopping, simply add the item to your shopping cart and choose Bread as your method of payment when you check out.
Is my credit score affected?
Bread offers loans to customers without a hard credit pull from the top 3 bureaus (TransUnion, Experian and Equifax). You can not only pre-qualify, but also check out without a hard inquiry. Unlike hard inquiries, soft inquiries won't affect your credit scores. (They may or may not be recorded in your credit reports, depending on the credit bureau.)
STILL HAVE QUESTIONS?
Please click here to read Bread's Frequently Asked Questions or feel free to contact Bread Pay directly for additional information at [email protected] or 844-992-7323.
Thanks to our financing partner, Bread Pay, you can now pay for your order over 6, 12, 24 or 36 months at competitive interest, including rates as low as 0% APR for 6 months*. Bread Pay offers clear, simple financing for your online purchases in just a few clicks. When you're ready to buy, click on the Pay Over Time button and follow the simple application process. If you pre-qualify, you'll be shown the monthly cost of the item. You can quickly check out or, if you'd like to continue shopping, simply add the item to your shopping bag and choose Bread Pay as your method of payment when you check out.
*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 36 monthly payments of $38.19 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.