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XtendPay, powered by Bread

What is Bread?

Bread is a new type of financing platform. They help you pay for your purchases over time by making easy-to-understand monthly payments.

Bread is committed to treating their customers with dignity. Their terms are clear and straightforward. They have no hidden fees. There is no prepayment fee. If you pay late or bounce a check, a ten dollar fee will apply, in addition to the amounts due on your loan.

How do I buy with XtendPay, powered by Bread?

It’s easy. When you’re ready to buy, click on the Pay Over Time button. Follow the simple application process. If you qualify, you’ll be shown the monthly cost of the item. You can quickly check out or, if you’d like to continue shopping, simply add the item to the shopping cart and choose XtendPay as your method of payment when you check out.

How does the financing work?

When you pay with XtendPay, you are able to pay for your purchase over time with simple monthly installment payments. Our goal is to make your purchases more manageable by letting you pay in a manner that matches your budget.

Where do I apply?

You can apply on website when you are ready to checkout.

Who is eligible to apply for XtendPay?

U.S. residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible, provided Bread can verify your identity. Also, please note that if you apply to see if you’re qualified for XtendPay and if you are denied, you won’t be eligible to apply again for the next 90 days.

Why should I use XtendPay?

Our goal is to help you pay for your purchases in a way that matches your budget. XtendPay, powered by Bread, makes it fast and easy for you to pay over time. For many borrowers, rates may be lower than with a credit card or other alternatives. We are committed to delivering a dignified customer experience, treating you with respect and providing you with clear and transparent terms.

Does using XtendPay impact my credit score?

You can check your rate and terms at any time without impact to your credit score. If Bread is not able to offer you credit or if you do not accept the terms there is no impact on your credit score.

If you accept the terms and complete your purchase, once fulfills the order, Bread will inform the credit bureaus the first time that you use XtendPay. This will only happen the first time you successfully complete a purchase with XtendPay. Subsequent purchases using XtendPay will not require us to post an inquiry to the credit bureau. As with other credit products, the number of inquiries is one of the factors that credit bureaus use to determine your credit score, and so this may affect your score.

XtendPay, powered by Bread is a loan. If you make all your payments on time you will be building a positive credit history which usually has a positive impact on your credit score.

However, if you do not make your payments on time, Bread may report this to the credit bureau. This will likely have a negative impact on your credit profile and score.

How do I make payments?

Please make payments by logging into your account at They will guide you to set up electronic fund transfers (ACH) from your bank account, or you can pay by mailing a check. If you pay by ACH, they will ask you to supply your bank account information to the site. So that you only need to do this once and never forget to make a payment, they will then ask you to authorize Bread to automatically debit your account for all your future Bread payments. For a full explanation of payment options, see your loan agreement and the Bread terms and conditions.

When are my payments due?

Your first payment will be due at least 30 days after ships your order. Subsequent payments are due every month after that, usually on the same day of each month. (For instance, if your first payment was due on the 7th of a given month, future payments are generally due the same day each month. Of course, if your first payment was due on the 31st of a month or February 29th, Bread will make an adjustment.) You can see your full schedule of installment due dates in your account at

What is the application process like?

It’s fast and easy. Click on XtendPay button on You’ll be asked to provide some basic information about yourself. Bread uses their technology to instantly find a plan that fits you. They then present you with clear, transparent terms. You can then choose to check out right away using the terms Bread offers you, or you can continue to shop and can check out when you are done.

Is Bread a credit card?

No. Their products are installment loans. You do not need to hold and manage yet another store card.

Do I have a credit limit like a credit card?

No. With Bread you have no pre-determined credit limit. Bread will decide with each purchase if they’re able to make a loan for the full or partial purchase price.