Flexible Ways to 

BUY NOW and PAY LATER 

What is Bread®?

Bread® is a new type of financing platform. We help you pay for your purchases over time by making easy-to-understand monthly payments available to you.

We are committed to treating our customers with dignity. Our terms are clear and straightforward. No origination or prepayment fees.

How do I buy with Bread®?

It's easy. When you see a greenhouse you like and you're ready to buy, click on the “As low as $..." button, and begin to pre-qualify process.

Follow our simple application process. If you pre-qualify, you'll be shown the monthly cost of the item. You can quickly check out or, if you'd like to continue shopping, simply add the item to your shopping cart and choose “Bread" as your method of payment when you check out.

How does the financing work?

When you pay using Bread, you are able to pay for your purchase over time with simple monthly installment payments. Our goal is to make your purchases more manageable by letting you pay in a manner that matches your budget.

Who is eligible to apply for Bread®?

U.S. residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible, provided we can verify your identity. Also, please note that if you apply to see if you're qualified for Bread and if you are denied, you won't be eligible to apply again for the next 90 days.

Get approved and checkout as fast as 60 seconds! 

*Subject to approval of credit application. Rates range from [0/5.99/6.99/7.99]% to 29.99% APR, resulting in, for example, [6/12/24/36 (longest term available)] monthly payments of $[X] 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. Bank.

Why should I use Bread®?

Our goal is to help you pay for your purchases in a way that matches your budget. We make it fast and easy for you to pay over time. For many borrowers, rates may be lower than with a credit card or other alternatives. We are committed to delivering a dignified customer experience, treating you with respect and providing you with clear and transparent terms.

Does using Bread® impact my credit score?

We use a soft inquiry to check your rate, which won't affect your credit score. If we are not able to offer you credit or if you do not accept the terms, there is no impact on your credit score. As of March 4, 2019, checking out with Bread will not result in a hard inquiry to your TransUnion report. However, we do report to the credit bureaus, which may affect your credit score. Additionally, we may obtain your credit profile from a smaller credit reporting agency, SageStream, which may impact your credit.

How do I make payments?

You can make your payments through ACH or debit card or by mailing us a check. To make an ACH or debit card payment, please log into your account at members.getbread.com. We will guide you on how to set up an ACH payment from your bank account or use your debit card. So that you only need to do this once and never forget to make a payment, we will then ask you if you would Like us to automatically debit your account or charge your debit card for all your future Bread payments. To make a payment by check, please mail the check to:

c/o Bread
 Servicing Department
 P.O. Box 783186
Philadelphia, PA 19178

When are my payments due?

Your first payment will be due at least 30 days after your order is shipped. Subsequent payments are due every month after that, usually on the same day of each month. (For instance, if your first payment was due on the 7th of a given month, future payments are generally due the same day each month. Of course, if your first payment was due on the 31st of a month or February 29th, we will make an adjustment.) You can see your full schedule of installment due dates in your account at members.getbread.com.

Can I pay my loan back early?

Yes! You can prepay anytime for all or part of your loan. There is never a penalty for paying early. Also, if you prepay more than the monthly payment but less than the total balance due on your loan, your monthly payment will remain the same. However, you will pay off your loan sooner, and because of that you will pay less in total interest

Is Bread a credit card?

No. Bread makes financing options available, in this case, installment loans. You do not need to hold and manage yet another store card.

*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.