GET A DECISION IN SECONDS Sleep Better Now, Pay Later

Financing that Fits You

Bread Pay™ makes it quick and easy to apply for financing*. You can buy quality pieces you’ll love now and pay over time.

*Available for purchases between $200 and $10,000. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 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.

Why finance?

  • Shield_Fast

    Quick and Secure

    Receive a decision in real time that won’t affect your credit score.

  • Clock_Finance

    Buy Now, Pay Later

    Pay for your order in 6, 12, 24, or 36 months at competitive rates*.

  • Moon

    Peace of Mind

    Enjoy clear, transparent terms with no surprises to keep you up at night.

All your questions answered

What is Bread Pay™?

Bread Pay™ is a pay-over-time technology solution that helps people make purchases with easy-to-understand payments through its affiliated bank, Comenity Capital Bank. Bread Pay is now expanding its pay-over-time solution to include debt consolidation loans made by Comenity Capital Bank.

What is Comenity Capital Bank and how does it relate to Bread Financial™?

Comenity Capital Bank, an affiliate of Bread Financial™, is the lender for Bread Financial’s pay-over-time products.

Why buy with Bread Pay™?

Bread Pay™ financing includes straightforward terms, making purchases more manageable with payment plan options.

Is my info secure when using Bread Pay™?

Bread Pay™ is committed to keeping your information secure—your data is encrypted in transit and at rest.

When would my first payment be due?

Bread Pay™ will email you and text a link to their payment portal when your first payment is due—typically 30 days after your order is complete.

Do I still get the 100-Night Mattress Trial if I choose to finance?

Yes! Sleep well knowing that you can finance your purchase and the 100-night trial still applies. If you choose to return, you will receive a refund for the payments you have made, minus any interest that has accrued.

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