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.

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, 18, 24 and 36
months at competitive rates.*

Financing made easy

Step 1

Shop our website
Add items to your cart. Choose Bread Pay® and get a quick 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 9.99% to 34.99% APR, resulting in, for example 36 monthly payments of $30.55 at 9.99% APR, per $1000.00 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.