GET A DECISION IN SECONDSSleep Better Now, Pay Later


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.


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, or 24 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

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 Financial company.

Compare Mattresses Banner
Find your perfect match
Our mattresses will help you get the sleep you need. Not sure which one’s right for you? We’ve got your back.