Pay Over Time

Explore our monthly plans featuring competitive rates.
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Easy and Flexible Payments

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Affordable Plans

Pay for your order over time with our monthly plan featuring competitive 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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Quick and Easy Application

Decision in seconds with no obligation to buy. Checking your rate won’t affect credit.

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Competitive rates

As low as 0% APR* financing for up to 18 months. Clear, transparent terms. Fair rates. No prepayment penalties.

Explore our financing options

Bread Pay

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

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Questions?

Check Bread’s FAQ or reach Bread directly at support@breadpayments.com or (844) 992-7323 ext. 1.


*Rates and terms only for loans opened from March 1, 2026, at 6:00am PT through March 31, 2026, at 11:59pm PT. Availability of terms may vary based on purchase price and/or product. Down payment may berequired. Subject to approval of credit application. Rates range from 0% to 34.99% APR, resulting in, for example, 18 monthly payments of $87.91 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay loans are made by ComenityCapital Bank, a Bread Financial company.

Read Bread's FAQ

Affirm Pay

Add items to your cart. Choose Affirm Pay and get a real-time decision without it affecting your credit.

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Questions?

Check Affirm's FAQ for more details.

*Rates from 0–36% APR. 0% APR promotion is available from March 1, 2026, at 6:00am PT through March 31, 2026, at 11:59pm PT on 3-, 6-, 12-, and 18- months term length for those who qualify. For example,a$800 purchase might cost $72.21/moover 12 months at 15% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may berequired. CA residents: Loans by Affirm Loan Services, LLC are made or arrangedpursuant toa California Finance Lenders Law license. For licenses and disclosures, see affirm.com/licenses.

Read Affirm's FAQ