Minimum purchase of $200.00 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 0.00% to 34.99% APR, resulting in, for example, 36 monthly payments of $38.19 at 21.99% APR, per $1,000.00 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.