Monthly Programs

Pay for your order over 12 months at rates as low as 0% APR or up to 36 months at competitive interest rates*

No Pre-Payment Penalties

Pay back the loan in monthly payments and prepay at any time without penalty.

Apply in Seconds

Get a decision in seconds with safe and secure pre-qualification.

Check your rates by clicking 'Pay over time' at checkout

*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-over-time plans are loans made by Comenity Capital Bank.