Clear, transparent terms. Competitive rates. No prepayment penalties.
"Super easy and no problems the entire time. I paid it off early too with no issues."
— tawsha w.
"Payments start once it is delivered. They are so easy to work with."
— Frances C.
"I used the 0% financing! Easy breezy!"
— sandy f.
We provide easy and affordable financing, powered by Bread Pay®,
so you can pay for your purchase over time.
Affordable Monthly Plans
Pay for your order in up to 48 months at competitive rates. Or, pay in 12 months for as low as 0% APR.*
No Prepayment Penalties
Pay for your purchase with monthly payments and prepay at any time without penalty.
Quick and Easy Application
Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. (soft credit inquiry)
Check your rate in seconds without leaving our site
Questions?
Visit the Bread Pay help center or reach Bread directly at support@breadpayments.com or (844) 992-7323 ext. 1.
*Rates and terms only for loans opened on 6/24/2025 to 7/12/2025. Minimum purchase of $200.00 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, 48 monthly payments of $31.50 at 21.99% APR, per $1,000.00 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.
**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.
Bread Financing FAQ
What is Bread Pay?
Bread Pay® is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay® products include the Bread Pay® Installment plan, with terms from 6 to 48 months, and the Bread Pay® SplitPay plan. SplitPay allows you to Pay for your product in 4 equal interest- free payments.
How is the APR rate determined?
Our bank affiliate, Comenity Capital Bank, determines the APR based on a variety of factors. Among others, these factors typically include your credit history and credit score, amount financed, and length of the term.
Does applying with Bread Pay impact my credit score?
Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose to accept the Bread Financial™ loan terms after your pre-qualification, we will not perform a hard inquiry with any of the credit reporting agencies.
How is my credit eligibility determined?
We work with our bank affiliate, Comenity Capital Bank, who determines eligibility by reviewing factors such as your credit score and repayment history.
Is Bread Pay secure?
Safeguarding your information is of the utmost importance to us. We are committed to keeping your personal information secure. Data is encrypted in transit and at rest.
Will paying my loan early change my monthly installment amount?
Paying your loan early will not adjust your monthly installment amount.
How to checkout using Bread Pay Financing?
Follow these steps to utilize Bread Pay Financing during checkout. From the CART page, select the Check Out button.
If you have a Shop Pay account, when the Confirm its you box opens and you are sent a code/CAPTCHA, close the box before entering the code/CAPTCHA and logging into Shop Pay, and fill in your shipping address. Under Payment, select Pay Over Time with Bread Pay and click Pay Now. Complete the requested information on the Checkout Financing screen that will open.
If you have already logged in to Shop Pay, click on Check out as Guest at the bottom of the page, fill in your shipping address, select your shipping options, under Payment, select Pay Over Time with Bread Pay and click Pay Now. Complete the requested information on the Checkout Financing screen that will open.
Shop Pay Installments FAQ
How do Shop Pay Installments work?
When you choose Shop Pay Installments at checkout, you're applying for a loan through Affirm. If approved, then your purchase will be split into several smaller payments. You'll make your payments to Affirm, either bi-weekly or monthly, depending on the plans available for you to choose at checkout.
Shop Pay Installments is offered in partnership with Affirm, who services your loan.
Depending on where you make your purchase, a down payment may be required at the time of checkout. You can also choose to pay off your loan early without any penalties. For interest-bearing loans, you can save on interest fees when you pay off the remaining balance early.
What to expect after applying for Shop Pay Installments?
After you apply for Shop Pay Installments,Affirm will review your application. You'll receive an email from Affirm (shoppay@shop.affirm.com) to the email address you use for Shop Pay, letting you know whether you're approved. This email might go to your spam or junk folder, so remember to check those folders too.
If you're not approved, then the email will explain why and might include next steps, if applicable. Keep in mind that you may be approved the next time you apply, as your eligibility is determined by Affirm on each individual purchase attempt.
If you're approved, then your payment schedule displays in the Shop app, and you'll receive email and SMS text reminders (if applicable) before each payment. You can also turn on push notifications in the Shop app. You can view and manage your Shop Pay Installments orders in the Shop app.
You can't customize your payment schedule, but you can make early payments. You can also make manual payments in the Shop app or in your Shop account from your browser.
Shop Pay Installments steps to qualify.
You can check whether you’re eligible for the Shop Pay Installments directly from a store's product page. You need to sign up or log in to your Shop Pay account to check your eligibility for Shop Pay Installments.
If you’re eligible for Shop Pay Installments, then your purchasing power and all of the available installment payment options are displayed for eligible products. Choose your installment payment option at checkout.
You can check your eligibility for Shop Pay Installments from a store's product page.
Steps:
- Go to the product that you want to buy.
- Click Check your purchasing power.
- Click Check if you qualify.
- Sign up or log into your Shop Pay account.
- Review the available installment payment options, and then click Continue to checkout.
- Select your payment option, and then complete your checkout.