Bread Financing



Financing Available

Clear, transparent terms. Fair rates. No prepayment penalties.


Our Benefits

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Straightforward Pricing

Simple, transparent terms. No prepayment penalties. No deferred interest.

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Quick & Simple

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

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Automatic Payments

Easily enroll into auto payments for added control and convenience.

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Not a Credit Card

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



Pay Over Time

Through Bread Pay™, we offer easy and affordable financing options so you can pay for your purchase over time.

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Affordable Monthly Plans

Buy now and pay for your purchase over time at competitive interest rates.

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No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

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Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.


Check your rate in seconds without leaving our site

Step 1 

Shop Online or In-Store

Add items to your cart. 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.

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Questions? Visit the Bread Pay help center.