Shoppers Help Center
For information about the expected shipping timeline of your order, please check directly with the retailer where you made your purchase.
To check on the status of your order, please reach out to the retailer directly.
You can apply online at participating retailers.
Add items to your cart and provide a few pieces of information to begin the checkout process.
Select Pay-Over-Time at Checkout
Enter a few pieces of information and get a decision quickly without affecting your credit score. Confirm your Bread payment plan.
You’ll be making your first of four payments the moment you check out.
You can pay with your personal debit card or credit card for all SplitPay purchases. The first payment is due at the time of purchase. The remaining three payments will be automatically processed every two weeks until the purchase is paid off. Please note that for SplitPay, we cannot accept payments by ACH, bank transfer, or pre-paid cards
With SplitPay, we break down the total cost of your purchase into four equal installments, due every two weeks. Your first payment is due at the time of purchase. The remaining three payments will be automatically processed every two weeks until the purchase is paid off.
Please note that SplitPay payments must be made on a debit card or credit card with sufficient funds. We cannot accept SplitPay payments by ACH, bank transfer, or pre-paid cards.
SplitPay is a payment option that enables you to pay for your purchase with four equal interest free payments using a credit card or debit card.
Typically the value of your purchase must be between $50-$1,000 however may vary by retailer. Visit a participating retailer’s website, choose SplitPay, and proceed with checking your eligibility.
Yes, the next three payments will be taken out automatically every 2 weeks over the next 6 weeks.
We will retry charging your payment method 1 day later for the original amount. If this initial retry fails, we will add the original payment amount to your next scheduled payment. We will continue to retry your payment method until the last payment.
If your payments continue to fail, and your SplitPay account charges off, you will no longer be eligible for SplitPay in the future. We reserve the right to report to credit bureaus in the future.
Unfortunately, no. The dates your payments are due are predetermined from the date that you check out.
For SplitPay, payments will be due every two weeks from the date of checkout.
After the retailer processes your return, a partial or full refund is automatically applied to your SplitPay purchase.
For partial refunds, we will deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1000 and returned $500, we would cancel your last two SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.
After the retailer processes your return, a partial refund will be issued to your transaction and your SplitPay balance will adjust accordingly. Any remaining installments will be adjusted (starting with your last installment and moving backward).
For example, if you made a purchase of $1000 and returned $500, we would cancel your last two SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.
Any payment refunds will be credited back to your original payment method.
You can apply online at participating retailers’ websites.
When you’re ready to buy, click on Bread’s® financing button or “Pay Over Time” to check your eligibility in seconds.
If you are eligible, you will be presented with the financing terms offered and sample payment amounts. Add the item to the retailer’s shopping cart and choose Bread® or “Pay Over Time” selecting Bread SplitPay as your preferred method of payment when you check out.