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Buy now, pay later


Also known as pay over time, Bread Pay™ is an easy way to buy the things you want now, while paying in installments that work with your monthly budget.

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Pay for your purchase with monthly payments and prepay at any time without penalty.


Pay for your order over 3, 12, 24, or 36 months at competitive rates*.


Get a decision in seconds with no obligation to buy. Checking your rate won’t affect your credit score.

Why pay over time?

Know you can afford what you need when you need it

Simple & fast application

Get a decison in real time.

Not a Credit Card

Know what you owe with set payments

Automatic payments

Never miss a payment by enrolling in Autopay.

Straightforward pricing

No prepayment penatlties. No deferred interest.

Financing made easy

Step 1

Shop online at XOTIC PC

Add items to your cart. Choose Bread Pay™ and get a real-time decision without affecting your credit score.

Step 2

Select your plan

Pick the option that works for your budget.

Step 3

Complete your purchase

Get your items now and pay over time in monthly installments of four easy payments.

*Subject to approval of credit application. Rates range from 5.99% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank.