Flexible Ways to
Buy Now &

Pay Later

A convenient way to buy the things you want now

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Benefits of Buying with Bread

When inspiration strikes, Bread offers you an easy and convenient way to buy the things you want now and pay over time. Select

Bread Pay

at checkout to pay over time—and never pay a penny more than you agree to on day one. Prequalify and get an instant decision, just click the button below to get started.

Prequalify Now ->
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Bread Low Cost Icon

Straightforward Pricing

Simple transparent terms. No prepayment penalties. No deferred interest.

Bread Easy Application

Quick & Simple

Applying is easy. All we need is a few pieces of information and you get a decision in seconds.

Bread Auto Payments Icon

Automatic Payments

Sign up for automatic payments and have the flexibility to change your due date if needed.

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Not a Credit Card

Always know how much you’ll pay. Easy equal installments. No surprises.

How it Works

Step 1:

Fill your cart

Once you've selected the products you would like to order, simply add them to your shopping cart.

Bread Pay Step 1
Bread Pay Step 2

Step 2:

Select Your Plan

Choose Bread as your payment option. Enter a bit of information and Bread will provide a real-time loan decision. Check out with Installments or SplitPay with rates starting at 0% APR.

Step 3:

Complete Your Purchase

Confirm your order & make sure all your information is correct. After checkout is complete we will process & ship your order right to your door.

Bread Pay Step 3

*Example payment is based on the listed product price(s) assuming a 24 month term loan and a 9.99% APR. Subject to approval of credit application. Rates range from 0.00% to 29.99% APR. APRs will vary depending on credit qualifications, loan amount, and term. 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. Bread® pay over time loans are made by Comenity Capital Bank. *Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial company.

Frequently Asked Questions

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Am I eligible to buy with Bread?

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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Does applying with Bread impact my credit score?

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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Does Bread report to the credit bureaus?

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

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Can I change the terms of my loan?

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

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