Financing Your Order Using Bread
Clear, transparent terms. Fair rates. No prepayment penalties.
Pay Over Time
We provide easy and affordable financing through our partner, Bread®, so you can pay for your purchase over time.
Affordable Monthly Plans
Buy now and pay for your purchase over time at competitive interest rates.
No Prepayment Penalties
Pay for your purchase with monthly payments and prepay at any time without penalty.
Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.
Check your rate in seconds
without leaving our site
How It Works
Shop Online or In-Store
Add items to your cart. Choose Bread and get a real-time decision without it affecting your credit score.
Select Your Plan
Check out with Installments or SplitPay with rates starting at 0% APR.
Complete Your Purchase
Get your item now and pay over time in monthly installments or four easy payments.
Who can use Bread?
U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.
When using Bread, does it impact my credit score?
Checking your rate does not affect your credit score as only a soft pull is completed to check your eligibility. If you choose to finance your purchase with Bread after your pre-approval, we will not perform a hard inquiry with any of the three major credit reporting agencies.
Once you have taken out a loan, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. We may also obtain your credit profile from smaller credit reporting agencies.
Does Bread report to the credit bureaus?
Yes, Bread reports repayment information to consumer reporting agencies.
Can I change the terms of my loan?
You will not be able to adjust your loan terms after you have checked out.