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.

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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.

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Step 3:   Complete Your Purchase
Get your item now and pay over time in monthly installments or four easy payments.

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Straightforward Pricing
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.

Automatic Payments
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.

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You can apply at our store using your mobile phone. Click on the Bread Pay™ financing button to check your eligibility in seconds.

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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.