***Text and email replies are performed within one business day Monday through Friday. *Example payments are based on the listed product price(s) assuming an 18-month term and a 9.99% APR. Subject to approval of credit application. Rates range from 0% to 29.99% APR. APRs will vary depending on credit qualifications, loan amount, and term. Bread Pay™ loans are made by Comenity Capital Bank, a Bread Financial™ company.