craft now. pay later.

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

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6-Month 0% APR Financing Available*

We provide easy and affordable financing, powered by Bread Pay™, so you can pay for your purchase over time.

Affordable Monthly Plans

Pay for your order in up to 48 months at competitive rates. Or, pay in 6 months for as low as 0% APR.*

No Prepayment Penalties

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

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. (soft credit inquiry)

Check your rate in seconds without leaving our site

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Visit the Bread Pay help center or reach Bread directly at or (844) 992-7323 ext. 1.

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, 48 monthly payments of $25.36 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.

Financing FAQ

What is Bread Pay?

Bread Pay™ is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay™ products include the Bread Pay™ Installment plan, with terms from 3 to 48 months, and the Bread Pay™ SplitPay plan, with four payments made every two weeks, each payment being 25% of the original purchase amount.

How is the APR rate determined?

Our bank affiliate, Comenity Capital Bank, determines the APR based on a variety of factors. Among others, these factors typically include your credit history and credit score, amount financed, and length of the term.

Does applying with Bread Pay impact my credit score?

Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose to accept the Bread Financial™ loan terms after your pre-qualification, we will not perform a hard inquiry with any of the credit reporting agencies.

How is my credit eligibility determined?

We work with our bank affiliate, Comenity Capital Bank, who determines eligibility by reviewing factors such as your credit score and repayment history.

Is Bread Pay secure?

Safeguarding your information is of the utmost importance to us. We are committed to keeping your personal information secure. Data is encrypted in transit and at rest.

Will paying my loan early change my monthly installment amount?

Paying your loan early will not adjust your monthly installment amount.