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Buy Now, Pay Later

Bread® loans include straightforward, easy-to-understand terms. Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget.

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.

Buy Now, Pay Later

Bread® loans include straightforward, easy-to-understand terms. Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget.

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.

 Bread Pay Benefits

Straightforward Pricing

Simple transparent terms. No prepayment penalties. No deferred interest. Ever!

Automatic Payments

Sign up for automatic payments and have the flexibility to change your due date if needed.

Quick & Simple

Applying is easy. All we need is a few pieces of information and you get a decision in seconds.

Not A Credit Card

Always know how much you’ll pay. Easy equal installments. No surprises.


Shop Online or In-Store

Add items to your cart. Choose Bread and get a real-time decision without it affecting your credit score.
 

Select Your Plan

Check out with Installments or SplitPay with rates starting at 0% APR.

Complete Your Purchase

Get your item now and pay over time in monthly installments or four easy payments.


Bread Pay FAQs

Am I eligible to buy with Bread?+

U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.

Does applying with Bread impact my credit score?+

Checking your eligibility does not affect your credit score. Once you take out a loan, Bread may report repayment information about your loan to the consumer reporting agencies.

Does Bread report to the credit bureaus?+

Yes, Bread may report repayment information to consumer reporting agencies.

Can I change the terms of my loan?+

You will not be able to adjust your loan terms after you have accepted them. Checking your eligibility does not affect your credit score. Once you take out a loan, Bread may report repayment information about your loan to the consumer reporting agencies.

Where do I apply for Bread SplitPay?+

You can apply at participating retailers using your mobile phone. Click on the Bread financing button to check your eligibility in seconds. If you are eligible, you will be presented with sample payment plan options available to you. Simply select a payment plan you would like and once you are done shopping, proceed to the register to complete your purchase and check out with Bread.