Shoppers Help Center
In-Store Pay Later
With Pay Later, you’ll receive a confirmation code to use at checkout. This confirmation code is valid only at the retail partner’s physical store and will expire within 12 hours. You’ll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected payment plan.
The amount you can spend in-store with Pay Later is based on your eligibility and the payment plan you select. If you qualify for a payment plan, you’ll be presented with the amount you can spend up to with each payment product. Your payment amount will be based on your final purchase amount and your loan will not be completed until you check out with your confirmation code at the register in the retailer’s physical store location.
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.
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.
Unfortunately, no. Your confirmation codes may only be used one time to checkout. You may apply for another loan if you would like to make another purchase with Bread Pay.™