Financing that Fits You
Bread Pay™ makes it quick and easy to apply for financing. 0% APR is available for 12-month loan terms*. You can buy quality pieces you’ll love now and pay over time.
Quick and Secure
Receive a decision in real time that won’t affect your credit score.
Buy Now, Pay Later
Pay for your order in 6, 12, or 24 months at competitive rates*.
Peace of Mind
Enjoy clear, transparent terms with no surprises to keep you up at night.
All your questions answered
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.
Terms and Conditions
*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 PayTM loans are made by
Comenity Capital Bank, a Bread