0% APR FINANCING AVAILABLE UP TO 6 MONTHS*
Affordable Monthly Plans
Pay for your order over 3, 6, or 12 months 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.
*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 12 monthly payments of $87.91 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.
Frequently Asked Questions
Learn about Bread at https://www.getbread.com/for-consumers/
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.
Bread terms are clear and straightforward. There is no prepayment fee.
How do I buy skis with Bread?
It’s easy. When you’re ready to buy, click on the Financing button. Follow the 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 the checkout page and choose Bread as your method of payment when you check out.
How do I make Payments?
You can make your payments through ACH or debit card or by mailing a check to Bread. To make an ACH or debit card payment, please log into your account at members.getbread.com. Bread 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 PO Box 783186 Philadelphia, PA 19178-3186
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.
Does using Bread impact my credit score?
Bread uses a soft inquiry to check your rate, which won’t affect your credit score. If Bread is not able to offer you credit or if you do not accept the terms, there is no impact on your credit score.
If you accept the terms and complete your purchase, once we fulfill (ship) the order Bread will provide a customary notification to the credit bureaus the first time that you use Bread. This will only happen the first time you successfully complete a purchase with Bread. Subsequent purchases using Bread will not require us to post an inquiry to the credit bureau. As with other credit products, the number of inquiries is one of the factors that credit bureaus use to determine your credit score, and so this may affect your score.
Is Bread a Bank?
No, Bread is not a bank. Bread provides services for their partner bank. When you use Bread®, you are taking out a loan from their partner bank, Comenity Capital Bank. When you call Bread, you will always be speaking to a Bread representative.
I want to return my purchase, what should I do?
We accept returns for 30 days for stock products in new condition. Please contact us to receive a Return Authorization. Please note that all customized product sales are final and not eligible for returns. If your cancellation or refund amount is processed , your loan size will be reduced by the cancellation or refund amount.