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Twin Over Twin L-Shaped Bunk Bed

$5,765

+
Twin Mattress Twin Mattress x2
Bookshelf (Top) Bookshelf (Top) x2
Tray Tray x2
Drawer (6" High) Drawer (6" High) x2
Staircase Handrail (Aluminum) Staircase Handrail (Aluminum) x2
Staircase Handrail (Wood) Staircase Handrail (Wood) x2
Corner Shelf Corner Shelf x2
Fire Pole Fire Pole x2
Curtain Curtain x2
Pillow Set (Standard) Pillow Set (Standard) x2
Sateen Twin Sheet Set (White) Sateen Twin Sheet Set (White) x2
Sateen Twin Sheet Set (Flint Gray) Sateen Twin Sheet Set (Flint Gray) x2
Sateen Duvet Set Twin/Twin XL (White) Sateen Duvet Set Twin/Twin XL (White) x2
Sateen Duvet Set Twin/Twin XL (Flint Gray) Sateen Duvet Set Twin/Twin XL (Flint Gray) x2
All Seasons Duvet Insert (Twin/Twin XL) All Seasons Duvet Insert (Twin/Twin XL) x2
Twin Circa Bed Wrap (Graphite) Twin Circa Bed Wrap (Graphite) x2
Twin Circa Bed Wrap (Ivory) Twin Circa Bed Wrap (Ivory) x2
Bookshelf (Instead of Headboard) Bookshelf (Instead of Headboard) x2
Upholstered Headboard (Top) Upholstered Headboard (Top) x2
Headboard Support System (Top) Headboard Support System (Top) x2
Locker (White) Locker (White) x2
Locker (Gray) Locker (Gray) x2
Desk Desk x2
1.5 Degree Ladder (Upgrade) 1.5 Degree Ladder (Upgrade) x2
Additional Slats (per sleeping platform) Additional Slats (per sleeping platform) x2
2 Masonite Boards 2 Masonite Boards x2

Subtotal:

$5,765

Complete the experience

Recommended

4

Bedding

8

Accessories

14


  • Twin Mattress

    Twin Mattress

    $1,115

    Add Accessory

  • Bookshelf (Top)

    Bookshelf (Top)

    $875

    Add Accessory

  • Tray

    Tray

    $155

    Add Accessory

  • Desk

    Desk

    $865

    Add Accessory

  • Pillow Set (Standard)

    Pillow Set (Standard)

    $105

    Add Accessory

  • Sateen Twin Sheet Set (White)

    Sateen Twin Sheet Set (White)

    $115

    Add Accessory

  • Sateen Twin Sheet Set (Flint Gray)

    Sateen Twin Sheet Set (Flint Gray)

    $115

    Add Accessory

  • Sateen Duvet Set Twin/Twin XL (White)

    Sateen Duvet Set Twin/Twin XL (White)

    $130

    Add Accessory

  • Sateen Duvet Set Twin/Twin XL (Flint Gray)

    Sateen Duvet Set Twin/Twin XL (Flint Gray)

    $130

    Add Accessory

  • All Seasons Duvet Insert (Twin/Twin XL)

    All Seasons Duvet Insert (Twin/Twin XL)

    $95

    Add Accessory

  • Twin Circa Bed Wrap (Graphite)

    Twin Circa Bed Wrap (Graphite)

    $120

    Add Accessory

  • Twin Circa Bed Wrap (Ivory)

    Twin Circa Bed Wrap (Ivory)

    $120

    Add Accessory

  • Drawer (6" High)

    Drawer (6" High)

    $375

    Add Accessory

  • Staircase Handrail (Aluminum)

    Staircase Handrail (Aluminum)

    $395

    Add Accessory

  • Staircase Handrail (Wood)

    Staircase Handrail (Wood)

    $395

    Add Accessory

  • Corner Shelf

    Corner Shelf

    $175

    Add Accessory

  • Fire Pole

    Fire Pole

    $435

    Add Accessory

  • Curtain

    Curtain

    $475

    Add Accessory

  • Bookshelf (Instead of Headboard)

    Bookshelf (Instead of Headboard)

    $485

    Add Accessory

  • Upholstered Headboard (Top)

    Upholstered Headboard (Top)

    $575

    Add Accessory

  • Headboard Support System (Top)

    Headboard Support System (Top)

    $215

    Add Accessory

  • Locker (White)

    Locker (White)

    $425

    Add Accessory

  • Locker (Gray)

    Locker (Gray)

    $425

    Add Accessory

  • 1.5 Degree Ladder (Upgrade)

    1.5 Degree Ladder (Upgrade)

    $35

    Add Accessory

  • Additional Slats (per sleeping platform)

    Additional Slats (per sleeping platform)

    $95

    Add Accessory

  • 2 Masonite Boards

    2 Masonite Boards

    $165

    Add Accessory

  • Vacation Homes

  • Hotels/Hostels

  • Condos

  • Teens

  • Family Life

Product Details

  • Black outline of an Adult L-Shaped Bunk Bed from Francis Lofts & Bunks with guide lines showing different dimension aspects.
    Ceiling Height
    Black outline of an Adult L-Shaped Bunk Bed from Francis Lofts & Bunks with guide lines showing different dimension aspects.
    Summary
    A Bed Frame to Ceiling 41.5"
    A Bed Frame to Ceiling 48.5"
    A Bed Frame to Ceiling 53"
    B Floor to Top Bunk 51"
    B Floor to Top Bunk 56"
    B Floor to Top Bunk 63.5"
    C Floor to Bottom Bunk 6.5"
    C Floor to Bottom Bunk 6.5"
    C Floor to Bottom Bunk 6.5"
    D Top Bunk Length 75"
    D Top Bunk Length 80"
    D Top Bunk Length 75"
    D Top Bunk Length 80"
    D Top Bunk Length 88"
    D Top Bunk Length 80"
    D Top Bunk Length 88"
    D Top Bunk Length 75"
    D Top Bunk Length 75"
    E Top Bunk Width 40"
    E Top Bunk Width 40"
    E Top Bunk Width 55"
    E Top Bunk Width 40"
    E Top Bunk Width 40"
    E Top Bunk Width 55"
    E Top Bunk Width 61"
    E Top Bunk Width 61"
    E Top Bunk Width 40"
    F Bottom Bunk Length 80.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 80.5"
    F Bottom Bunk Length 80.5"

    *Height dimensions DO NOT include a mattress. Subtract approx. 10” (standard mattress height) from top and middle measurements for the final vertical clearance.

    **Length and width dimensions DO NOT include the guard rail (s). Add 2 1/2” to measurement length and /or width for each guard rail.

Product Details

  • Black outline of an Adult L-Shaped Bunk Bed from Francis Lofts & Bunks with guide lines showing different dimension aspects.
    Ceiling Height
    Black outline of an Adult L-Shaped Bunk Bed from Francis Lofts & Bunks with guide lines showing different dimension aspects.
    Summary
    A Bed Frame to Ceiling 41.5"
    A Bed Frame to Ceiling 48.5"
    A Bed Frame to Ceiling 53"
    B Floor to Top Bunk 51"
    B Floor to Top Bunk 56"
    B Floor to Top Bunk 63.5"
    C Floor to Bottom Bunk 6.5"
    C Floor to Bottom Bunk 6.5"
    C Floor to Bottom Bunk 6.5"
    D Top Bunk Length 75"
    D Top Bunk Length 80"
    D Top Bunk Length 75"
    D Top Bunk Length 80"
    D Top Bunk Length 88"
    D Top Bunk Length 80"
    D Top Bunk Length 88"
    D Top Bunk Length 75"
    D Top Bunk Length 75"
    E Top Bunk Width 40"
    E Top Bunk Width 40"
    E Top Bunk Width 55"
    E Top Bunk Width 40"
    E Top Bunk Width 40"
    E Top Bunk Width 55"
    E Top Bunk Width 61"
    E Top Bunk Width 61"
    E Top Bunk Width 40"
    F Bottom Bunk Length 80.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 85.5"
    F Bottom Bunk Length 80.5"
    F Bottom Bunk Length 80.5"

    *Height dimensions DO NOT include a mattress. Subtract approx. 10” (standard mattress height) from top and middle measurements for the final vertical clearance.

    **Length and width dimensions DO NOT include the guard rail (s). Add 2 1/2” to measurement length and /or width for each guard rail.

A white Full Over Queen L-Shaped Bunk Bed with light gray bedding in a basement guest room with gray walls. Seen from the bottom right corner of the bottom bunk.

A Versatile Twin Bunk Bed

Offers Great Sleep for All Ages

Our Twin Over Twin L-Shaped Bunk Bed is a simple way to add an extra place to sleep in almost any room. The compact nature of the twin size bed frame means that the bottom bunk will never take up too much space, even in a very small room. Likewise, as long as there is an empty wall, the top bunk can sit comfortably above it without sticking out into the room and blocking vertical space.

A white Full Over Queen L-Shaped Bunk Bed with light gray bedding in a basement guest room with gray walls. Seen head-on from the foot of the bottom bunk.

Incredible Stability

The strength and integrity of our Adult Bunk Beds is unmatched, including a massive 2,000 lb weight capacity on each sleeping platform. That means that our heavy duty Twin Over Twin L-Shaped Bunk Beds are more than capable of safely supporting any grown adult, making them an excellent choice for vacation rentals or hotels that host many guests throughout the year, as well as teenagers and young adults who need a bed that they’ll never outgrow. In addition, the high quality aluminum we use to construct our bed frames won’t break down or degrade over time with regular wear and tear, which means these beds can serve you for years to come.

An Attractive Quality

We’ve developed a simple and sophisticated contemporary design for our bed frames that allows them to look great in any space and alongside nearly décor. So whether you’re using our Twin Over Twin L-Shaped Bunk Beds to maximize space in your home, vacation rental, or hotel, it will surely accentuate and enhance your space without compromising the style you’ve cultivated.

A black Full Over Queen L-Shaped Bunk Bed for adults with a matching staircase in a high end guest room. Seen directly from the foot of the bottom bunk and side of the top bunk.
A black Full Over Queen L-Shaped Bunk Bed for adults with a matching staircase in a high end guest room. Seen from the lower left-hand corner of the bottom bunk and lower right-hand corner of the top bunk. A black Full Over Queen L-Shaped Bunk Bed for adults with a matching staircase in a high end guest room. Seen at a slight close-up from the lower right-hand side of the top bunk.
A wooden staircase shelf unit with storage compartments is filled with various items like books, a folded towel, and a pair of shoes. It is situated in a room with a brick wall and a desk in the background. Two white drawers underneath a white queen size platform Standard Bed

Complete Customization

When we say we want our beds to enhance your space, we mean it. That is why every Twin Over Twin L-Shaped Bunk Bed is custom built to order to meet your unique needs. Not only are you able to customize the size and color of your bed, but you can also select from a wide range of helpful accessories that will add to the bed’s functionality and help you make the most of your space, like a bookshelf headboard for extra and convenient storage or a wooden staircase for easier access to the top bunk.

View All Accessories
A super close up of a ladder attached to the top bunk of a black Adult Bunk Bed

Detachable Ladder

The detachable ladders that come standard with our elevated beds securely clip to the aluminum frame and will not move when they are being used. On the L-Shaped Bunk Beds, the ladder can be used on both of the short ends of the bed, or on the long side opposite of where the bottom bunk is sticking out. See below or visit our FAQ page for more ladder information.

A black and white shot of students walking outside of a dormitory on a college campus.

8 Brilliant Bunk Bed Ideas for Dorms

Sharing an especially small space with what amounts to a total stranger can certainly be a trying right of passage for many young people, but a little creativity can go a long way toward making the experience comfortable and enjoyable for everyone. Here are just a few of the ways that our innovative custom built beds can transform a dorm room into a cozy home away from home.

Read More
A queen size Francis Lofts and Bunks branded mattress with a white top on the mattress cover and a dark blue bottom on the mattress cover. Seen from the lower right-hand corner.

Mattresses

Complete your order with a comfortable custom made 10-inch memory foam mattress.

  • Available in five firmness levels: Soft, Medium Soft, Medium, Medium Firm, and Firm

  • Removable and adjustable interior layers

  • Arrange your mattress up to nine different ways to find what feels best

If ordered as an accessory, mattresses come standard with Medium firmness. You can request different firmness options in the Special Instructions section at checkout.

Learn More
A marina with several boats docked, calm water reflecting the vessels and a red-and-white striped lighthouse in the background against a clear blue sky. Trees are visible near the lighthouse.

The Perfect Fit for a Family Vacation Home

A growing family finds a way to maximize space and comfortably fit everyone in their vacation home on Hilton Head Island by adding an Adult Bunk Bed from Francis Lofts & Bunks.

Read More
Two strapping delivery men in white t-shirts, blue overalls, and blue hats both holding each end of a long cardboard box and walking it into a condo building. Seen from behind next to their white van.

White Glove Delivery

Worried about assembling your new L-Shaped Bunk Bed on your own? Get a complete professional delivery experience with an expert touch. Try our new White Glove Delivery option!

  • Available for $495 per bed
  • This includes inspecting, assembling, and setting up your new bed frame(s).
  • Only available in the contiguous 48 United States

Upgrade your order with White Glove Delivery!

Learn More
A pile of boxes holding a Queen Size Adult Loft Bed and the attachable ladder

Free Shipping

We offer FREE SHIPPING on all orders in the contiguous United States. Shipping to Alaska, Hawaii, Puerto Rico, and Canada is available for an additional fee. Because shipping costs have gone up, there are currently extra fees for orders going to Oregon and Washington State.

Contact us to discuss your options and pricing, or click here to generate an estimate for duties and taxes to have your bed shipped to Canada.

Heather from the US Japan Fam blog and her husband crouched over the floor assembling a white Twin Adult Loft Bed in their kids' room.

Watch This Shared Bedroom Receive a Space-Saving Makeover

See how Heather from the popular parenting blog US Japan Fam creatively combined our Adult Loft and Bunk Beds to stay organized and maximize the space in her kids’ bedroom in this series of room makeover transformation videos.

Read More
A young adult woman sitting on the bottom bunk of a charcoal Adult Bunk Bunk looking at her smartphone.

Buy Now. Pay Later.

Pay over time* for as low as 0% APR for 12 months

We offer financing options to help you purchase your new bed today. Pay for your bed in monthly installments over 12, 24, or 36 months with competitive interest rates, including 0% APR* for 12 months. Apply now to see if you pre-qualify with our fast, streamlined online application.

Learn More
  • American flag graphic icon

    American Made

    Our beds are 100% made in the USA using aluminum sourced from Tennessee and constructed at our factory in Ohio. We offer discounts for US veterans with proof of military service.

  • Checkmark graphic icon

    Risk Free Trial

    We offer a 60-day risk free trial with a refund for returned items, excluding the cost of shipping and handling to receive the bed at our factory. Please note that certain items and orders are non-refundable. Visit our Terms & Conditions page to learn more.

  • Graphic icon of the planet Earth being held by a human hand

    Eco-Friendly

    The aluminum we use is 100% recyclable. We employ an entirely eco-friendly manufacturing process, which results in a product that can be safely salvaged with minimal environmental effects.

  • Clipboard with checkmarks graphic icon

    Stress Tested

    Our beds have been stress tested by an independent third-party organization to verify their massive weight capacity of 2,000 lb per sleeping platform.
    Click here to view the results of these load analysis tests.

  • Checklist graphic icon

    Configure

    Choose the style, size, height, and color of your bed and add accessories.

  • Shopping cart graphic icon

    Order

    Select your payment method and tell us where to ship your bed.

  • Ruler and quick square tool graphic icon

    Manufacture

    Once your order is received, we will start building your bed.

  • Screwdriver and wrench graphic icon

    Assemble

    Use the included tools and instructions to assemble your bed.

Additional Information

  • Lead Times
    The current delivery lead time for our beds is approximately 6-8 weeks from when we receive the order.

    Standard Shipping
    We offer free shipping to all 48 contiguous United States. Shipments to Alaska, Hawaii, Puerto Rico, and Canada are also available for an additional fee. Because shipping costs have gone up, there are currently extra fees for orders going to Oregon and Washington State. Contact us for more information and a shipping estimate.

    We may request an additional payment if shipping to your address is more expensive than similar zip codes. We will not add this charge without first giving you the opportunity to cancel the order for a full refund.

    UPS Ground ships most orders and delivers them to your door. Certain orders must ship via freight service, which requires curbside delivery. We recommend having at least one other person on hand to help receive a freight delivery. For more information, please visit our Shipping Page.

    Twin Over Full L-Shaped Bunk Beds arrive in 10 boxes. If you order accessories, there may be additional boxes included with your order.

    Rush Shipping
    Rush Shipping is currently available for an additional charge of $750 per bed. This option ensures that your order will ship out within 15 business days.

    White Glove Delivery
    Upgrade your order with our White Glove Delivery service. For $495 per bed, we offer in-home delivery from our experienced partners. This includes unpacking and inspecting every aspect of your new bed frame(s). They will also assemble and set up your bed(s) and take care of any required clean-up.

    White Glove Delivery only available in the contiguous 48 United States. An adult (18 or older) must be there when your delivery arrives to sign the receipt.

    Some restrictions may apply. Please leave specific day-of delivery instructions in the Special Instructions section during checkout. Visit our Shipping page for more information.

  • Our Twin Over Full L-Shapd Bunk Beds don’t come standard with mattresses, but any regular twin size and full size innerspring mattresses will fit the bed frame. We recommend a mattress with a thickness of 8-12 inches. L-Shaped Bunk Beds don’t need a box spring.

    Memory Foam Mattresses
    If you plan to use memory foam mattresses, you’ll need a flat surface to keep the mattress from sinking into the slats. We offer two options.

    The first is two 1/8” thick masonite boards for $165. This includes one for each sleeping platform. The second option is to buy additional slats for $190. These options are available as Accessories when you build your bed.

    Francis Lofts & Bunks Custom Made Mattresses
    We sell our own memory foam mattresses that you can purchase with your Adult Bunk Bed. Like our bed frames, every 10-inch mattress is custom made to order. You have the option to choose from five firmness options based on your preference.

    Mattresses can be added to your order as Accessories when you’re building your bed, or purchased separately here.

    Please note: When ordered as an Accessory, our mattresses come standard with Medium firmness. You can request a different firmness option in the Notes section during checkout.

  • We can build L-Shaped Bunk Beds to any custom dimensions within reason. If the size that you’re looking for isn’t available on our website, you can contact us directly with your request. We do charge an additional fee of $65, plus $40 per foot.

    We consider a bed “custom” if we build it to any size not offered on our website. Beds with trundles also qualify as “custom” because builders must construct them to a special height.

  • Ladder
    You can detach the ladder and use it on any side of the top bunk frame. It securely clips to the aluminum frame and will not move when it’s in use.

    The standard for beds built for a 9’ ceiling is for the ladder to extend 20” from the end of the bed. We offer a shorter version that extends 13 inches from the bed at no additional cost. For $30, we can create a ladder that extends only 6 inches from the bed frame. This option is available as an Accessory when you build your bed.

    Staircase
    For an additional fee, you can add a matching wooden staircase to your Twin Over Full L-Shaped Bunk Bed. The staircase supports up to 500 lbs. It also has open cubbies beneath the steps for extra storage space. You can also add a handrail for the staircase as an Accessory when building your bed.

    The dimensions of the different staircase options are:
    4 steps: 8’ or 9’ beds are 60” long x 21” wide x 48” high
    5 steps: 10’ beds are 60” long x 21” wide x 60” high

  • The bottom bunk of our Twin Over Full L-Shaped Bunk Beds comes with an upholstered headboard. You can choose from five different fabric options to find the one that best matches your style.

    You can forgo a headboard altogether for a $300 price reduction. Please make this request in the Special Instructions section during checkout. Our customer service team will adjust your total once they review the order.

  • Want to see the aluminum materials and painted finishes of our beds before making a purchase? Simply click here to leave us your name and shipping address, and we’ll send you free samples of every finish.

Additional Information

  • Lead Times
    The current delivery lead time for our beds is approximately 6-8 weeks from when we receive the order.

    Standard Shipping
    We offer free shipping to all 48 contiguous United States. Shipments to Alaska, Hawaii, Puerto Rico, and Canada are also available for an additional fee. Because shipping costs have gone up, there are currently extra fees for orders going to Oregon and Washington State. Contact us for more information and a shipping estimate.

    We may request an additional payment if shipping to your address is more expensive than similar zip codes. We will not add this charge without first giving you the opportunity to cancel the order for a full refund.

    UPS Ground ships most orders and delivers them to your door. Certain orders must ship via freight service, which requires curbside delivery. We recommend having at least one other person on hand to help receive a freight delivery. For more information, please visit our Shipping Page.

    Twin Over Full L-Shaped Bunk Beds arrive in 10 boxes. If you order accessories, there may be additional boxes included with your order.

    Rush Shipping
    Rush Shipping is currently available for an additional charge of $750 per bed. This option ensures that your order will ship out within 15 business days.

    White Glove Delivery
    Upgrade your order with our White Glove Delivery service. For $495 per bed, we offer in-home delivery from our experienced partners. This includes unpacking and inspecting every aspect of your new bed frame(s). They will also assemble and set up your bed(s) and take care of any required clean-up.

    White Glove Delivery only available in the contiguous 48 United States. An adult (18 or older) must be there when your delivery arrives to sign the receipt.

    Some restrictions may apply. Please leave specific day-of delivery instructions in the Special Instructions section during checkout. Visit our Shipping page for more information.

  • Our Twin Over Full L-Shapd Bunk Beds don’t come standard with mattresses, but any regular twin size and full size innerspring mattresses will fit the bed frame. We recommend a mattress with a thickness of 8-12 inches. L-Shaped Bunk Beds don’t need a box spring.

    Memory Foam Mattresses
    If you plan to use memory foam mattresses, you’ll need a flat surface to keep the mattress from sinking into the slats. We offer two options.

    The first is two 1/8” thick masonite boards for $165. This includes one for each sleeping platform. The second option is to buy additional slats for $190. These options are available as Accessories when you build your bed.

    Francis Lofts & Bunks Custom Made Mattresses
    We sell our own memory foam mattresses that you can purchase with your Adult Bunk Bed. Like our bed frames, every 10-inch mattress is custom made to order. You have the option to choose from five firmness options based on your preference.

    Mattresses can be added to your order as Accessories when you’re building your bed, or purchased separately here.

    Please note: When ordered as an Accessory, our mattresses come standard with Medium firmness. You can request a different firmness option in the Notes section during checkout.

  • We can build L-Shaped Bunk Beds to any custom dimensions within reason. If the size that you’re looking for isn’t available on our website, you can contact us directly with your request. We do charge an additional fee of $65, plus $40 per foot.

    We consider a bed “custom” if we build it to any size not offered on our website. Beds with trundles also qualify as “custom” because builders must construct them to a special height.

  • Ladder
    You can detach the ladder and use it on any side of the top bunk frame. It securely clips to the aluminum frame and will not move when it’s in use.

    The standard for beds built for a 9’ ceiling is for the ladder to extend 20” from the end of the bed. We offer a shorter version that extends 13 inches from the bed at no additional cost. For $30, we can create a ladder that extends only 6 inches from the bed frame. This option is available as an Accessory when you build your bed.

    Staircase
    For an additional fee, you can add a matching wooden staircase to your Twin Over Full L-Shaped Bunk Bed. The staircase supports up to 500 lbs. It also has open cubbies beneath the steps for extra storage space. You can also add a handrail for the staircase as an Accessory when building your bed.

    The dimensions of the different staircase options are:
    4 steps: 8’ or 9’ beds are 60” long x 21” wide x 48” high
    5 steps: 10’ beds are 60” long x 21” wide x 60” high

  • The bottom bunk of our Twin Over Full L-Shaped Bunk Beds comes with an upholstered headboard. You can choose from five different fabric options to find the one that best matches your style.

    You can forgo a headboard altogether for a $300 price reduction. Please make this request in the Special Instructions section during checkout. Our customer service team will adjust your total once they review the order.

  • Want to see the aluminum materials and painted finishes of our beds before making a purchase? Simply click here to leave us your name and shipping address, and we’ll send you free samples of every finish.

*Availability of terms may vary based on purchase price and/or product. Down payment may be required. Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 36 monthly payments of $32.26 at 9.99% APR, per $1,000 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.

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