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.

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Step 1

Shop Online or In-Store

Add items to your cart. Choose Bread 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.

Our Benefits

Straightforward Pricing

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.

Automatic Payments

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.

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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.

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Yes, Bread may report repayment information to consumer reporting agencies.

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You will not be able to adjust your loan terms after you have accepted them.

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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.

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Still Have Questions?

If you have questions about using Bread, we’re here to help.

VIEW OUR FAQS CONTACT SUPPORT

Bread Pay™ is a product of Comenity Capital Bank, which is part of Bread Financial. © 2022 Bread Financial.

Loans offered through the Bread platform are made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.
© 2015-2021 Lon Operations LLC. All rights reserved.