User Guides

By using this website you agree to our updated Conditions of Use and consent to the collection and use of your personal information as described in our updated Privacy Notice, which includes the categories of data we collect and information about your preferences and rights.

Accept

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.

Paying over time through Bread Pay™ 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!

*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.