Pay Over Time

Explore our monthly plans featuring competitive rates.
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Easy and Flexible Payments

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Affordable Plans

Pay for your order over time with our monthly plan featuring competitive rates.

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No Prepayment Penalties

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

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Quick and Easy Application

Decision in seconds with no obligation to buy. Checking your rate won’t affect credit score.

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Competitive rates

As low as 6.99% APR for 12-month financing*. Clear, transparent terms. Fair rates. No prepayment penalties.

Explore our financing options

Bread Pay

Add items to your cart. Choose Bread Pay and get a real-time decision without it affecting your credit score.

Check My Rate

Questions?

Check Bread’s FAQ or reach Bread directly at support@breadpayments.com or (844) 992-7323 ext. 1.

Subject to approval of credit application. Rates range from 6.99% to 29.99% APR, resulting in, for example, 36 monthly payments of $48.36 at 9.99% APR, per $1,499 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.

Read Bread's FAQ

Affirm Pay

Add items to your cart. Choose Affirm Pay and get a real-time decision without it affecting your credit score.

Learn more

Questions?

Check Affirm's FAQ for more details.

Rates from 10–36% APR. For example, monthly payments of $90.03/mo. is based on the product price of $1,499 assuming a 18-month term and a 10% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners:affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures, seeaffirm.com/licenses.

Read Affirm's FAQ