# Pay Over Time

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.

## Featured partners

# Still have questions?

[Visit our Help Center](https://www.breadfinancial.com/en/help-center.html#550c8890cc33ed42 "Go to our Bread Pay Help Center") [Contact support](https://www.breadfinancial.com/en/help-center/getintouch-loans.html "Go to contact information for our support team")

Refer to the [Bread Pay® and Bread Loans™ Terms of Use](https://payments.breadfinancial.com/terms-of-use/).