Step 1
Shop on our site.
- Add items to your cart.
- Choose Bread Pay™ at checkout.
- Get a real-time decision without affecting your credit score.
Step 2
Select your plan.
Pick the option that works for your budget. 6, 12, and 24 month payment plans available*
Starting at 0.00% APR*
Step 3
Complete your purchase.
Get your items now and pay over time in monthly installments or four easy payments.
General Questions
What is Bread Pay?
Bread Pay™ is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay™ products include the Bread Pay™ Installment plan, with terms from 3 to 48 months, and the Bread Pay™ SplitPay plan, with four payments made every two weeks, each payment being 25% of the original purchase amount.
Does Prequalifying for Bread Pay impact my credit score?
Checking your eligibility does not affect your credit score since only a soft inquiry is completed. If you choose a Bread Pay™ payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies.
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