Flexible Ways to Buy Now and Pay Later

Bread offers you an easy and convenient way to buy the things you want now and pay over time.

Step 1

Shop Online or In-Store

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

Step 2

Select Your Plan

Check out with Installments or SplitPay with rates starting at 0% APR.

Step 3

Complete Your Purchase

Get your item now and pay over time in monthly installments or four easy payments.

Our Benefits

Straightforward Pricing

Simple transparent terms. No prepayment penalties. No deferred interest.

Quick & Simple

Applying is easy. All we need is a few pieces of information and you get a decision in seconds.

Automatic Payments

Sign up for automatic payments and have the flexibility to change your due date if needed.

Not a Credit Card

Always know how much you’ll pay. Easy equal installments. No surprises.

Still Have Questions?

If you have questions about using Bread, we’re here to help.