Bread Pay™ makes it quick and easy to apply for financing*. You can buy quality pieces you’ll love now and pay over time.
*Available for purchases between $200 and $10,000. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 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.
Receive a decision in real time that won’t affect your credit score.
Pay for your order in 6, 12, 24, or 36 months at competitive rates*.
Enjoy clear, transparent terms with no surprises to keep you up at night.
Bread Pay™ is a pay-over-time technology solution that helps people make purchases with easy-to-understand payments through its affiliated bank, Comenity Capital Bank. Bread Pay is now expanding its pay-over-time solution to include debt consolidation loans made by Comenity Capital Bank.
Comenity Capital Bank, an affiliate of Bread Financial™, is the lender for Bread Financial’s pay-over-time products.
Bread Pay™ financing includes straightforward terms, making purchases more manageable with payment plan options.
Bread Pay™ is committed to keeping your information secure—your data is encrypted in transit and at rest.
Bread Pay™ will email you and text a link to their payment portal when your first payment is due—typically 30 days after your order is complete.
Yes! Sleep well knowing that you can finance your purchase and the 100-night trial still applies. If you choose to return, you will receive a refund for the payments you have made, minus any interest that has accrued.