When you check out with Bread Pay™ SplitPay, a temporary authorization hold may be placed on your debit or credit card for the second payment. Depending on your financial institution, this hold could remain on your card for up to seven days.

If you have any questions about this authorization hold, please contact your financial institution.

Yes. After your first payment is processed during checkout, your remaining three payments will be taken out in three equal amounts every two weeks until your order is paid off.

If your automatic payment fails on your due date, we’ll charge your payment method again the next day for the amount owed. If this first retry fails, we’ll add the original payment amount to your next scheduled payment. We’ll continue to retry your payment method until the last payment.

If your payments continue to fail and your Bread Pay™ SplitPay account remains delinquent, you may no longer be eligible to use Bread Pay SplitPay for future purchases. This may also affect your credit since Bread Financial reserves the right to report to the credit bureaus in the future.

Bread Pay is only available on select products and cannot be used for gift card purchases.

Your Bread Pay™ SplitPay due dates can’t be changed after the dates are established and communicated during checkout.

You will need to cancel your order. Our team processes orders shortly after customers place one. You’ll have a short period of time to cancel or modify your order once you place it on Academy.com.

After the retailer processes your return, a partial or full refund is automatically applied to your Bread Pay™ SplitPay plan.

For partial refunds, we’ll deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.

After the retailer processes your return, a partial refund will be issued on your transaction and your Bread Pay™ SplitPay balance will decrease accordingly. Any remaining installments will be adjusted, starting with your last installment and moving backward.

For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you’ve already made these payments, we would refund the appropriate amounts.

Any payment refunds will be credited to your default payment method.

Adding an alternate pick-up person is not available through Bread Pay.

Checking your eligibility and applying for a Bread Pay™ Installment Loan won’t affect your credit score as only a soft inquiry is completed. Comenity Capital Bank, the lender for Bread Pay™ products, may also report repayment information about your loan to credit reporting agencies, which could impact your credit score.

If we were unable to approve you for a Bread Pay™ Installment Loan, you’ll receive a notice within 24 hours at the email address on file that outlines the reason for the denial.

You can make a payment online in the Bread Financial™ Member Portal. Navigate to your homepage and select Make a Payment. You can also make a payment by contacting Financial Member Support Team.

Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

Bread Pay is only available on select products and cannot be used for gift card purchases.

The annual percentage rate or APR is the cost of credit as a yearly rate. You may have been offered an APR that ranges from 0% to 34.99%, depending on your creditworthiness. During the application process for a Bread Pay™ Installment Loan, your APR is shown in the Truth In Lending Disclosure attachment. Once your loan is initiated, you can also review your loan’s APR in the Bread Financial™ Member Portal.

Our bank affiliate, Comenity Capital Bank, determines your APR based on a variety of factors. These include your credit history and credit score, the amount financed, and length of your loan term.

Once you accept the terms of your Bread Pay™ Installment Loan, you won’t be able to change them. That said, we do accept early payments without penalties or fees.

To cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your account status and balance will be adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest, restocking fees, or return shipping fees. Please check the retailer’s cancellation/refund policy to determine if these fees apply to your order.

Any refunds issued for more than your current account balance will result in a credit being issued to the default payment method on file. The credit may take 7 to 10 business days from the date the order cancellation is processed to appear on your bank account.

If an order cancellation or refund is issued for more than your current account balance, you’ll receive a credit to the default payment method on file.

It may take 7 to 10 business days after the order cancellation or refund is processed for the credit to appear in your bank account.

Adding an alternate pick-up person is not available through Bread Pay.