Choose the way you pay

Take control of how you shop with more ways to pay and budget. Buy now and pay later with responsible options for splitting up the cost of your purchase.

How it works

Checking out with Bread is easy! Simply select one of our straightforward payment methods and buy what you want now and pay for it over time.

Choose How You Pay

Select either SplitPay or Installments at checkout—Bread has a solution for purchases of any size.

Get Approved Instantly

Get a decision immediately. Viewing your options won’t impact your credit score.

Make Easy Payments

Get your purchase now and pay later with easy online payments.

Let’s compare both options

Whether you are looking to use Bread to pay for a $100 dress or a $2,000 couch, we have a payment option that fits with your needs and your budget.



What is it?

Monthly payment options from 3 to 48 months

What is it?

4 equal interest-free payments

What's it for?

Paying for larger purchases over time

What's it for?

Paying for smaller purchases under $1,000

Purchase Limit

Up to $20,000

Account Limit

From $50 to $1,000

APR Range

Starting at 0% APR

APR Range

Always 0% APR

Payment Period


Payment Period

Every 2 weeks

Credit Check

Checking your rate won't impact your credit score

Credit Check

Checking out with SplitPay won't impact your credit score

Get the answers to your questions

Installments is a payment option powered by Bread that allows you to pay for your purchase with simple monthly payments. Find out if you prequalify in seconds and choose the payment plan that works best for you. All plans feature easy online payments and no prepayment fees.

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

No. We use a soft inquiry to check your rate, which won’t affect your credit score. Checking out with Bread will not result in a hard inquiry at any of the three major credit reporting agencies.

Safeguarding your personal information is very important to us. All bread checkouts use HTTPS secure encryption when transmitting data.

You can make payments online by ACH or a debit card, or by mailing us a check. Your first payment won’t be due for at least 30 days after checkout. We’ll send you an email with your due date, and we’ll send you payment reminders by email and text.

We want to hear from you

If you have questions about using Bread, we’re here to help. Call us at (844) 992-7323 or login below.

Are you a retailer?

Add Bread to your checkout.

To learn more about offering Installments or SplitPay as payment methods on your site, complete this brief form and our team will be in touch.