Pay over time
We've partnered with Bread Pay® so you can buy what you want now and pay later at a pace that works for you.
Simple application
Get a decision in seconds without affecting your credit score.
Straightforward pricing
What you see is what you get. No hidden fees, prepayment penalties or compound interest.
Pay at your own pace
For a limited time, get 12 months as low as 0% APR or choose from 6, 12, 24, or 36 month financing at competitive interest rates .
Financing made easy
Step 1
Shop our website
Add items to your cart. Choose Bread Pay® and get a decision in seconds without affecting your credit score.
Step 2
Select your plan
Pick the option that works for your budget.
Step 3
Complete your purchase
Get your items now and pay over time.
Still have questions?
Help center 0% APR available on 12 month term only for checkouts completed between 08/18/2025 to 09/05/2025. 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 24 monthly payments of $51.87 at 21.99% APR, per $1000.00 borrowed.. APRs will vary depending on credit qualifications, loan amount, and term.