Let's start with Bread Pay®
Bread Pay® is an easy way to buy the device(s) and accessories 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 either 0% or 14.99% APR depending on their credit worthiness.
How it works:
- After you select your new device, you will be directed to apply in the phone payment plans application 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 and accessories to Bread Pay.
Apply for Bread Pay® in five easy steps:
- Submit your application:
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
- Bread Pay® confirms your eligibility
- Add devices and accessories to your cart
- Accept the Bread Pay™ 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 0% to 14.99% APR, resulting in, for example 24 monthly payments of $48.48 at 14.99% 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.
