PAY OVER TIME

We offer easy and affordable financing through our partner, Bread Pay™, so you can pay for your purchase over time.

  • Affordable Monthly Plans icon

    Affordable Monthly Plans

    Buy now and pay for your purchase over time at competitive interest rates.

  • No Prepayment Penalties icon

    No Prepayment Penalties

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

  • Easy Application icon

    Easy Application

    Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score. Your data is safe and encrypted.

Get Started Today

The process is quick and easy, you can get started right now.

Bread Pay logo

BREAD PAY FINANCING

Bread Pay™ is a financing program that allows consumers to see if they prequalify in seconds

  1. Fill out some basic information. A soft inquiry is used to check your eligibility, which won't affect your credit score.
  2. Find a plan you like, choose it, and confirm your order. You'll never leave the SpinLife website.
  3. Now you can buy the product you wish. Qualifying amounts range from $50–$10,000 depending on your credit score.

*Rates and terms only for loans opened on 02/29/2024 to 01/01/2026. Minimum purchase of $50.00 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.