Bread Pay® is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay® products include the Bread Pay® Installment plan, with terms from 3 to 48 months, and the Bread Pay® SplitPay plan, with four payments made every two weeks, each payment being 25% of the original purchase amount.

Checking your eligibility does not affect your credit score since only a soft inquiry is completed. If you choose a Bread Pay® payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies.

Bread Pay® may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.

Please wait a few minutes before requesting a new mobile verification code to avoid receiving multiple texts with different codes all at once. The phone number you provide must be a mobile number that is able to receive text messages.

You’ll have five attempts to validate your mobile verification code before being blocked for 15 minutes. If you are still not receiving a mobile verification code, we recommend you request a new verification code by selecting "Resend code".

We’re unable to send codes to prepaid phones. If you have this type of phone or need additional assistance receiving a code, please contact our Member Support team here.

A Bread Pay® Installment plan is a pay-over-time technology solution that helps you make purchases with easy-to-understand, equal payments. With our installment plans, you pay us back monthly over 3 to 48 months with APRs ranging from 0% to 29.99%. Keep in mind, the available loan terms may vary based on the retailer.

To apply for a Bread Pay® Installment plan, you must meet your state’s age of majority – the age your state of residence defines as required to legally enter into a contract. You’ll also need a valid phone number, email address and mobile device that allows for a digital wallet.

Bread Financial® must be able to verify your identity based on the information you provide in the application. Checking your eligibility does not affect your credit score since only a soft inquiry is completed.

We work with our bank affiliate, Comenity Capital Bank, which determines eligibility by reviewing factors such as your credit score and repayment history.

Our bank affiliate, Comenity Capital Bank, determines the APR based on a variety of factors. These factors typically include your credit history and credit score, amount financed and length of the term, though other factors may be considered.

You can make payments on Bread Pay® Installment plans using ACH funds transfer or a personal debit card. You cannot make payments on Bread Pay® Installment plans with a credit card, business debit card, bill pay or check. Additionally, Bread Pay® does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer. Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

You may be asked to make a down payment as part of using a Bread Pay® plan. This will depend on the amount your purchase amount and your credit eligibility.

Let’s say the total amount you’re purchasing is $2,000 - and you’re eligible to pay $1,500 over time. When presented with your plan options, you might be asked to make a $500 down payment at checkout.

You select your plan for your eligible amount, $1,500.00 in this case, and make your down payment at checkout. You'd then make regular monthly payments as per your loan agreement.

In some cases you may be asked to reduce your cart amount as a part of using a Bread Pay® plan. That’s because the amount you’re eligible to pay over time is less than your purchase amount.

Let’s say the total purchase amount is $2,500 - and you’re eligible to pay $1,500 of this over time. You may be asked to reduce your purchase amount by $1,000.

After doing this, you would have a balance of $1,500. You'd then make regular monthly payments as per your loan agreement.

In some cases you may be asked to reduce your total purchase amount and make a down payment to use a Bread Pay® plan. That’s because the the pay-over-time amount you’re eligible for is less than your purchase amount and there are limits on how large of a down payment you can make, as set by Bread Pay® and the retailer.

Let’s say the total purchase amount is $3,500 - and you’re eligible to pay $1,500 of this over time. You may be asked to reduce your purchase amount by $1,000 and also make a down payment of $1,000 at checkout.

After reducing the purchase amount and making the down payment, you would have a balance of $1,500.00 to pay over time. You'd then make regular monthly payments as per your loan agreement.