Pay over time

    We've partnered with Bread Pay® so you can buy what you want now and pay later at a pace that works for you.

    Pay over time

    0% APR options available*

    Pay as low as 0% APR for up to 18 months*

    Simple application

    Get a decision in seconds without affecting your credit score.

    Straightforward pricing

    What you see is what you get. No hidden fees, prepayment penalties or compound interest.

    Pay at your own pace

    Pay for your order over 3, 6, 12, or 18 months at competitive rates.*

    Financing made easy

    Step 1

    Shop our website

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

    Step 2

    Select your plan

    Pick the option that works for your budget.

    Step 3

    Complete your purchase

    Get your items now and pay over time.

    Still have questions?

    Help center

    *Minimum purchase of $50.00 is required. 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 0.00% to 34.99% APR, resulting in, for example 12 monthly payments of $93.59 at 21.99% APR, per $1000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term.

    **Available for purchases between $30.00 and $1500.00. Subject to approval of credit application. A temporary authorization hold will be placed on your debit or credit card to ensure your card will cover the first two payments. One payment will be immediately voided.

    Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.