How it works
Step 1
Get Prequalified.
Click the 'Get My Rate' button and enter a few details for a real-time decision.
Step 2
Choose Your Plan.
Pick the monthly payment plan that fits your budget—from short-term to long-term options.
Step 3
Build Your Kitchen.
Finalize your design and checkout. Your first payment isn't due until after your order is processed.
Design now, pay over time.
Here are the details
- Loan max amount is $25,000*
- 6 Months 0% APR Financing Available*
- Fixed monthly payments. No hidden fees.
- Up to 48 month financing options available.*
- Checking eligibility will not affect your credit score.
- Your information is secure.
Why finance your project?
Kitchens often have “hidden” costs, be prepared for anything.
0% APR options available
Interest-free options available for qualified buyers.
No prepayment penalties
Pay off your kitchen early and save on interest.
Pay at your pace
Payment options over 3-48 months available at competitive rates*
Budget flexibility
Keep your savings intact for other home improvements.
Frequently Asked Questions
Does checking my rate impact my credit?
No, it's a soft pull.
How do I make payments?
Through the Bread Pay Member Portal.
What information is required?
Basic contact information and social security number.
*Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 48 monthly payments of $25.36 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Payâ„¢ loans are made by Comenity Capital Bank, a Bread Financialâ„¢ company.