Pay over time with Bread Pay®
Rapid & Risk Free
Get prequalified in seconds with Bread Pay, and rest easy knowing our eligibility check won't affect your credit score.
Pay Your Way
Choose the payment plan that suits you best. Take advantage of our 0% interest for 12, 24,39 & 48-month financing*.
Zero Hidden Fees
With Bread Pay®, there are no origination fees—just monthly payments made easy.
FAQ
We offer a range of flexible financing options through Bread Pay® to fit your budget. Enjoy 0% APR financing for 12-48 months.
Availability of terms may vary based on purchase price and/or product.
No! We offer $0 down to finance any of our products.
Qualifying for our 0% APR financing is simple. Just select Bread Pay at checkout, fill out a quick application, and get prequalified in seconds. Approval is based on your credit history and other factors. Once approved, you can split your purchase into monthly payments.
Absolutely! You can pay off your balance early at any time without any penalties or fees. This flexibility allows you to manage your finances in a way that works best for you, without the worry of long-term commitments or extra charges.
No, applying for Bread Pay does not affect your credit score. When you apply, Bread Pay conducts a 'soft inquiry' which does not impact your credit score. This means you can see your eligibility without any risk to your credit health.
*Minimum purchase of $50 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 34.99% APR, resulting in, for example 48 monthly payments of $31.50 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.
Check Your Eligibility. No Hidden Fees.
Pay over time with LIT
Zero Money Down
APR Available*
Low Monthly Cost
Checking your credit eligibility won’t affect your credit score.
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