0% APR available
up to 36 months*
Recover now and pay over time with flexible financing through Bread Pay®. Terms apply.
Checking your credit eligibility won't affect your credit score.
0% APR Available for 6, 12, 24, 36 Month Financing*
Finance up to $25,000 with 0% APR for 12, 24, and 36 months with Bread Pay®
Quick 5 Minute Application
Prequalify for financing in under five minutes with a simple online application and no impact to your credit score during pre-qualification.
Soft Credit Check
See your financing options with a soft credit check, allowing you to explore available offers before making a purchase decision.
Zero Hidden Fees
Enjoy transparent financing with no hidden fees or surprise charges. You'll see your available payment options upfront before completing your purchase.
Easy Checkout
Complete your purchase in just a few clicks. Select your preferred financing option at checkout and finalize your order through a fast, secure, and seamless process.
Every product we sell is eligible for financing, with terms as low as 0% APR for 36 months through Bread Pay.*
We offer 12, 24, and 36-month terms at 0% APR through Bread Pay. Monthly pricing is shown on every product page — a $8,999 Titan runs about $250/month over 36 months.*
Apply online in under five minutes. Checking your options uses a soft credit inquiry, which does not affect your credit score, and you'll see your terms before committing to anything.
Yes — anytime, with no prepayment fees or penalties.
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.