Pay Over Time

Explore our monthly plans featuring competitive rates.

Easy and Flexible Payments


Affordable Plans

Pay for your order over time with our monthly plan featuring competitive rates.


No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.


Quick and Easy Application

Decision in seconds with no obligation to buy. Checking your rate won’t affect credit score.


Competitive rates

As low as 6.99% APR for 12-month financing*. Clear, transparent terms. Fair rates. No prepayment penalties.

Explore our financing options

Bread Pay

Check My Rate


Check Bread’s FAQ or reach Bread directly at or (844) 992-7323 ext. 1.

Subject to approval of credit application. Rates range from 6.99% to 29.99% APR, resulting in, for example, 36 monthly payments of $48.36 at 9.99% APR, per $1,499 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.

Affirm Pay

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Check Affirm's FAQ for more details.

Rates from 10–36% APR. For example, monthly payments of $90.03/mo. is based on the product price of $1,499 assuming a 18-month term and a 10% APR. Payment options through Affirm are subject to an eligibility check and are provided by these lending Options depend on your purchase amount, and a down payment may be required. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license. For licenses and disclosures,