Stores that accept Bread Pay

Bread Pay lets you split a purchase into payments at stores that offer it. Here is every store we have confirmed takes Bread Pay, what it costs and what to watch out for.

  • 114 stores confirmed
  • List checked Nov 9, 2026
  • US stores only

Bread Pay at a glance

APR
0% to 34.99%

Varies by store, plan and your credit. Some stores run 0% offers.

Credit check
Soft to check your rate

Checking your rate does not affect your score. Loans may be reported to credit bureaus.

Minimum purchase
Often $50

Set by each store.

Lender
Comenity Capital Bank

Part of Bread Financial.

Plans

  • SplitPay Pay over time in payments every two weeks, taken automatically from your card.
  • Installment loan Monthly payments over a set term, often 3 to 36 months, depending on the store.

Checked Nov 9, 2026. Sources: Bread Pay and Bread Loans Terms of Use (updated Feb 19, 2026); Store financing disclosures, e.g. Velocity Micro

Watch out for

  • APR can be high if you do not qualify for a 0% offer. Check the APR before you accept.
  • Late or missed payments may be reported to credit bureaus.
  • SplitPay needs a card and automatic payments, and places a hold on your card at checkout.
  • Returns go through the store first. Keep paying until a refund reaches your loan.

How it works

  1. Choose Bread Pay at checkout on the store's website.
  2. Check your rate. It takes seconds and does not affect your credit score.
  3. Pick SplitPay or a monthly plan and review the APR and total before you accept.
  4. Pay Bread Financial over time, by autopay or in the member portal.

Stores that take Bread Pay

Each store was checked on its own website. The date shows when we last checked. Stores can stop offering Bread Pay, so confirm at checkout.

All stores 114 stores

Showing 24 of 114

We checked 276 stores, from our earlier list and new research, and kept only the 114 where we could confirm Bread Pay on the store’s own website or at its checkout (we stop before paying and never place orders). We checked online shopping; in-store financing can differ. Know a store we missed? Tell us.

Browse all stores by category

Each category page lists every store we have checked, with all the ways to pay there, not just Bread Pay.

Questions people ask

Who is behind Bread Pay?

Bread Pay loans are made by Comenity Capital Bank, part of Bread Financial, a US financial company. The store offers Bread Pay at checkout, but your loan is with the bank.

Does Bread Pay do a credit check?

Checking your rate is a soft check and does not affect your credit score. If you accept a loan, Bread may report it to credit bureaus, so late payments can affect your score.

Can I use Bread Pay on Amazon or Walmart?

Not directly. Bread Pay only works at stores that have added it to their checkout, like the ones listed on this page.

What if I return something I bought with Bread Pay?

Start the return with the store. When the store refunds Bread, the refund is applied to your loan. Keep making payments until you see it applied.

CompareOther pay-later appsSee how Bread Pay compares with Affirm, Klarna, Afterpay and more.

Meedsy is not a lender and does not make credit decisions. “Visit” links may be affiliate links, and we may earn a commission. That never changes which stores we list or what we say about them. How we make money