Easy Flexible Payments!

We believe installment payments should be just as easy as checking out. That’s why you can make payments easily online. You can even set up automatic payments.

1. Payments can easily be made from your phone or computer through the easy-to-use member portal.
2. Enroll in automatic payments.
3. Prepay your loan at any time without penalty.
4. If you pre-qualify, you will be presented with the loan terms offered and sample monthly installment amounts. Add all the items you would like to the shopping cart and choose Bread Pay™ as your preferred method of payment when you check out.

Transparent Pricing!

Take advantage of flexible loan terms and lengths to buy the things you want now and pay over time. It’s completely transparent, with no tricks or gimmicks.

• Purchases through Bread Pay financing are made with straightforward installment loans. You’ll know each month’s payment (including any interest) before you buy. Once you’ve made all the monthly payments, you’re done!
• Experience transparent pricing with no surprises. You’ll never see any compounded interest or prepayment penalties.

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.

*Rates and terms only for loans opened on 9/8/2024 to 10/7/2024. Minimum purchase of $50.00 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Rates range from 0.00% to 34.99% APR, resulting in, for example, 36 monthly payments of $38.19 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term.  

**Available for purchases between $30 and $1,500. A temporary authorization hold will be placed on your debit or credit card to ensure your card will cover the first two payments. One payment will be immediately voided. 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.

Subject to approval of credit application. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.