Buy now, pay later


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 pay over time?

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.