Check your rate in seconds


Pay over time for as low as 0% APR for 6 or 12 months. Clear, transparent terms. Fair rates. No prepayment penalties.

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  • Affordable Monthly Plans

    from 6, 12, or 24 month financing at competitive interest rates.*

  • No Prepayment Penalties

    Pay for your purchase with monthly payments and prepay at any time without penalty.

  • Quick and Easy Application

    Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.

*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed.

APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.