Flexible Ways to Buy Now and Pay Later
Bread offers you an easy and convenient way to buy the things you want now and pay over time.LEARN MORE
Shop Online or In-Store
Add items to your cart. Choose Bread and get a real-time decision without it affecting your credit score.
Select Your Plan
Check out with Installments or SplitPay with rates starting at 0% APR.
Complete Your Purchase
Get your item now and pay over time in monthly installments or four easy payments.
Simple transparent terms. No prepayment penalties. No deferred interest.
Quick & Simple
Applying is easy. All we need is a few pieces of information and you get a decision in seconds.
Sign up for automatic payments and have the flexibility to change your due date if needed.
Not a Credit Card
Always know how much you’ll pay. Easy equal installments. No surprises.
Frequently Asked Questions
U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.
Checking your eligibility does not affect your credit score.
Once you take out a loan, Bread may report repayment information about your loan to the consumer reporting agencies.
Yes, Bread may report repayment information to consumer reporting agencies.
You will not be able to adjust your loan terms after you have accepted them.
You can apply at participating retailers using your mobile phone. Click on the Bread financing button to check your eligibility in seconds.
If you are eligible, you will be presented with sample payment plan options available to you. Simply select a payment plan you would like and once you are done shopping, proceed to the register to complete your purchase and check out with Bread.