Get instantly prequalified with Bread Pay, and rest easy knowing our eligibility check won't affect your credit score.
Choose the payment plan that suits you best. Take advantage of our 0% interest* 24-month financing, or consider other options like 36 or 48 months.
With Bread Pay, there are no unexpected fees—just monthly payments made easy.
We offer a range of flexible financing options through Bread Pay to fit your budget. Enjoy 0% APR financing for 12-24 months, or choose extended plans with competitive interest rates for 36 or 48 months.
*Availability of terms may vary based on purchase price and/or product.
Down payment may be required. Subject to approval of credit application.
Qualifying for our 0% APR financing option is simple. Just select Bread Pay at checkout, fill out a quick application, and get an instant decision. Approval is based on your credit history and other factors. Once approved, you can split your purchase into monthly payments at no additional interest cost.
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.
