Flexible Ways to
Buy Now and Pay Later
Bread Pay™ offers you an easy and convenient way to buy the things you want now and pay over time.
Step 1: Shop In-Store
Select items for purchase. Choose Bread Pay and get a real-time decision without it affecting your credit score.
Step 2: Select Your Plan
Check out with Installments or SplitPay with rates starting at 0% APR.
Step 3: Complete Your Purchase
Get your item now and pay over time in monthly installments or four easy payments.
Simple, transparent terms. No prepayment penalties. No deferred interest.
Quick & Simple
Applying is easy. All we need is a few pieces of information and you get a decision in seconds.
Easily enroll into auto payments for added control and convenience.
Not a Credit Card
Always know how much you’ll pay. Easy equal installments. No surprises.
You can apply at our store using your mobile phone. Click on the Bread Pay™ 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 Pay.
Split the cost of your purchase into 4 equal payments, paid every 2 weeks.
Applying won’t impact your customer’s credit score.
Pay for larger purchases over time from 3 to 48 months