Pay Over Time

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Also known as pay over time, Bread Pay® is an easy way to buy the things you want now, while paying in installments that work with your monthly budget.

Why choose Bread Pay®?

Know you can afford what you need when you need it.

Simple & fast application

Get a decision in real time.

Not a credit card

Know what you owe with set payments.

Automatic payments

Never miss a payment by enrolling in AutoPay.

Straightforward pricing

No prepayment penalties. No deferred interest.

Financing made easy

Step 1

Shop online or in-store.

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

Step 2

Select your plan.

Pick the option that works for your budget.

Step 3

Complete your purchase.

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

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