Let's start with Bread Pay®
Bread Pay® is an easy way to buy the device(s) you want now either online or in-store, while paying in installments that work with your monthly budget.
Bread Pay® gives customers the power to take home the smartphone they want with quick qualification. Qualifying customers get $0 down and 9.99%-34.99% APR depending on their credit worthiness.
How it works:
- After you select your new device, you can apply to determine eligibility.
- The fast and easy qualification process means there’s no waiting around to verify your qualifications.
- Customers who buy a smartphone for $149.99 or more can add other devices to Bread Pay.
Apply for Bread Pay® in five easy steps:
Online: You will see an application to apply for a phone payment plan while selecting payment options at checkout.
In store: Speak with a store representative who can provide access to the application portal.
- Submit your application
- Bread Pay® confirms your eligibility
- Add devices to your cart
- Accept the Bread Payâ„¢ terms
- Check out using your Bread Pay loan
If you do not qualify for Bread Pay, you have the option to continue your application process with Progressive Leasing.
*Minimum purchase of $149.99 is required. Availability of terms may vary based on purchase price, product, and state of residence. Down payment may be required. Subject to approval of credit application. Rates range from 9.99% to 34.99% APR, resulting in, for example, 12 monthly payments of $93.59 at 21.99% APR, per $1,000.00 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.
Bread Financial is a tech-forward financial services provider that offers competitive financing terms. They make it easy for customers to apply for and instantly see their qualification status.
If you don’t qualify for Bread Pay, you will have the option to be considered for lease-to-own payment options offered by Progressive Leasing.
