Financing
*Subject to approval of credit application. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ pay-over-time plans are loans made by Comenity Capital Bank.
Frequently Asked Questions
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Am I eligible to buy with Bread Pay™?
U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.
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Does applying with Bread Pay™ impact my credit score?
Checking your eligibility does not affect your credit score.
Once you take out a loan, Bread Pay™ may report repayment information about your loan to the consumer reporting agencies.
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Does Bread Pay™ report to the credit bureaus?
Yes, Bread® may report repayment information to consumer reporting agencies.
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Can I change the terms of my loan?
You will not be able to adjust your loan terms after you have accepted them.