**Rates and terms only for checkouts completed between 07/01/2025 to 07/31/2025. Minimum purchase of $50.00 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 34.99% APR, resulting in, for example, 24 monthly payments of $132.02 at 21.99% APR, per $1000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and terms. Bread Pay loans are made by Comenity Capital Bank, a Bread Financial company.