WHAT DOES IT TAKE TO INNOVATE?

To listen to your heart, go with your gut, and redefine an entire industry?

We think it takes patience. Determination. And the willingness to trip and fall. Innovation always finds a way. It gets up at 5AM. Sometimes 4. It’s not opposed to all-nighters. Or eating breakfast at 2AM. Innovation dreams big and figures stuff out bigger. It never gives up. Innovation is fidgety and squirmy and always looking to see what’s next.

It’s curious. And surprising. And likes to figure things out. Innovation is what we do because it’s all we know. It’s why we push for the thrill of what’s next. It’s what we’ve done for the past twenty years. And what we’ll continue to do in our relentless pursuit to find everywhere.



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Pay Over Time

To use Bread, please add products to your cart and follow the prompts for checkout — then select the “Bread” option in your checkout’s Payment section. Follow the prompts to submit your application. Check out now →

Bread Pay™ is a simple way to buy the products you want now and pay over time at your favorite online stores.

Apply for financing in seconds without ever leaving our site! Make easy online payments using our member portal or sign up for auto-pay for worry-free payments. You also have the flexibility to pay off your loan at any time with no penalty.

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*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 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 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.

**Availability of terms may vary based on purchase price and/or product. Down payment may be required. Example payment is based on the listed product prices assuming a 24 month term loan and a 9.99% APR. Subject to approval of credit application. Rates range from 0% to 29.99% APR. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.