Through Bread Pay™, we offer easy and affordable financing options so you can pay for your purchase over time.
How it works
Add SpotOn Fence to your cart and proceed through checkout.
For your payment, choose Bread Pay™.
Check your eligibility and get a real-time decision without affecting your credit score.
Pick the option that works for your budget. Monthly payments as low as $41.49/mo starting at 0.00% APR**. Get your items now and pay over time in monthly installments or four easy payments.
**Amounts financed range from $50.00 to $10.000.00. Availability of terms may vary based on purchase price and/or product. Down payment may be required. 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 Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company. For questions about Bread Pay™, visit BreadPayments.com
General Questions
What is Bread Pay™?
Bread Pay™ is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay™ products include the Bread Pay™ Installment plan, with terms from 3 to 48 months, and the Bread Pay™ SplitPay plan, with four payments made every two weeks, each payment being 25% of the original purchase amount.
Does prequalifying for Bread Pay™ impact my credit score?
Checking your eligibility does not affect your credit score since only a soft inquiry is completed. If you choose a Bread Pay™ payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies.
Bread Pay™ may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.
I want to find out if I’m eligible for Bread Pay™. Will this impact my credit score?
Checking your eligibility does not affect your credit score since only a soft inquiry is completed. If you choose a Bread Pay™ payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies.
Bread Pay™ may report repayment information about your account to the consumer reporting agencies, which may impact your credit score.
What should I do if I am not receiving my mobile verification code?
Please wait a few minutes before requesting a new mobile verification code to avoid receiving multiple texts with different codes all at once. The phone number you provide must be a mobile number that is able to receive text messages.
You’ll have five attempts to validate your mobile verification code before being blocked for 15 minutes. If you are still not receiving a mobile verification code, we recommend you request a new verification code by selecting "Resend code".
We’re unable to send codes to prepaid or Cricket phones. If you have this type of phone or need additional assistance receiving a code, please contact our Member Support team here.
Financing
What is a Bread Pay™ Installment plan?
A Bread Pay™ Installment plan is a pay-over-time technology solution that helps you make purchases with easy-to-understand, equal payments. With our installment plans, you pay us back monthly over 3 to 48 months with APRs ranging from 0% to 29.99%. Keep in mind, the available loan terms may vary based on the retailer.
What is a Bread Pay™ Installment plan?
A Bread Pay™ Installment plan is a pay-over-time technology solution that helps you make purchases with easy-to-understand, equal payments. With our installment plans, you pay us back monthly over 3 to 48 months with APRs ranging from 0% to 29.99%. Keep in mind, the available loan terms may vary based on the retailer.
How is my credit eligibility determined?
We work with our bank affiliate, Comenity Capital Bank, which determines eligibility by reviewing factors such as your credit score and repayment history.
How is the APR on my Bread Pay™ Installment plan determined?
Our bank affiliate, Comenity Capital Bank, determines the APR based on a variety of factors. These factors typically include your credit history and credit score, amount financed and length of the term, though other factors may be considered.
Does checking out with a Bread installment loan impact my credit score?
Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose a Bread payment plan after your eligibility is confirmed, we will not perform a hard inquiry with any of the credit reporting agencies.
Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. *
What installment plan payment methods do you accept?
You can make payments on Bread Pay™ Installment plans using ACH funds transfer or a personal debit card. You cannot make payments on Bread Pay™ Installment plans with a credit card, business debit card, bill pay or check. Additionally, Bread Pay™ does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer. Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.
Down Payment FAQs
Do I need to make a down payment as part of my pay-over-time plan?
You may be asked to make a down payment as part of using a Bread Pay™ plan. This will depend on the amount of your purchase and your credit eligibility.
Let’s say the total amount you’re purchasing is $2,000 - and you’re eligible to pay $1,500 over time. When presented with your plan options, you might be asked to make a $500 down payment at checkout.
You select your plan for your eligible amount, $1,500.00 in this case, and make your down payment at checkout. You'd then make regular monthly payments as per your loan agreement.
Why am I asked to reduce my purchase amount when using a pay-over-time plan?
In some cases you may be asked to reduce your cart amount as a part of using a Bread Pay™ plan. That’s because the amount you’re eligible to pay over time is less than your purchase amount.
Let’s say the total purchase amount is $2,500 - and you’re eligible to pay $1,500 of this over time. You may be asked to reduce your purchase amount by $1,000.
After doing this, you would have a balance of $1,500. You'd then make regular monthly payments as per your loan agreement.
Why am I asked to reduce my purchase amount and make a downpayment when using a pay-over-time plan?
In some cases you may be asked to reduce your total purchase amount and make a down payment to use a Bread Pay™ plan. That’s because the the pay-over-time amount you’re eligible for is less than your purchase amount and there are limits on how large of a down payment you can make, as set by Bread Pay™ and the retailer.
Let’s say the total purchase amount is $3,500 - and you’re eligible to pay $1,500 of this over time. You may be asked to reduce your purchase amount by $1,000 and also make a down payment of $1,000 at checkout.
After reducing the purchase amount and making the down payment, you would have a balance of $1,500.00 to pay over time. You'd then make regular monthly payments as per your loan agreement.
Learn more at BreadPayments.com