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.

Pay over time

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

Financing made easy

Step 1

Shop our website

Add items to your cart. Choose Bread Pay™ and get a real-time decision 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

Bread Pay Financing FAQs

We offer a range of flexible financing options through Bread Pay® to fit your budget. Enjoy 0% APR financing for 12-24 months, or choose extended plans with competitive interest rates for 36 or 48 months.

Availability of terms may vary based on purchase price and/or product.

Down payment may be required. Subject to approval of credit application.

Qualifying for our 0% APR financing for 12 & 24 months is simple. Just select Bread Pay at checkout, fill out a quick application, and get prequalified in seconds. Approval is based on your credit history and other factors. Once approved, you can split your purchase into monthly payments.

Absolutely! You can pay off your balance early at any time without any penalties or fees. This flexibility allows you to manage your finances in a way that works best for you, without the worry of long-term commitments or extra charges.

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.

BreadPay is primarily geared towards residential customers, offering convenient financing options for individuals purchasing our products for personal use. While it can be used by commercial customers in some cases, we do not recommend it because the program has limitations that may affect your ability to qualify for financing.

For better financing options tailored to commercial needs, please contact our Commercial Team at: 916-848-6083 (7am-5pm PT) to discuss alternative solutions that better suit your business requirements.