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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® 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.

Paying over time through Bread® is quick, easy, and transparent. Learn more about how it works →

If your items are already in your cart, feel free to check out now and start the process!

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 6 monthly payments of $171.56 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.