Clear, transparent terms. Fair rates. No prepayment penalties.
Affordable Monthly Plans
Pay for your order over 3, 12 or 24 months at competitive interest rates as low as 0% APR*.
No Prepayment Penalties
Pay for your purchase with monthly payments and prepay at any time without penalty.
Quick and Easy Application
Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.
How do I buy?
It’s easy. When you’re ready to buy, click on the "Pay Over Time" button. Follow our simple application process. If you pre-qualify, you’ll be shown the monthly cost of the item. You can quickly check out or, if you’d like to continue shopping, simply add the item to your shopping cart and choose Bread as your method of payment when you check out.
Is my credit score affected?
The pre-qualification process through Bread uses a soft inquiry to check your rate, which won’t affect your credit score. If you successfully checkout using Bread, Bread will provide a customary notification to the credit bureaus only on the first time that you use them. As with other credit products, the number of inquiries is one of the factors that credit bureaus use to determine your credit score, and so this may affect your score.
Why was I declined?
Unfortunately, financing options through Bread can’t be provided to everyone. If you believe a mistake has been made, please let Bread know. If you are declined, you will receive a notice within 30 days at the email address you provided to Bread, describing some of the reasons you were declined. Applicants are declined only for credit reasons.
Still have questions?
*The terms are for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 3 equal monthly payments of $333.33 at 0% APR, or 24 equal monthly payments of $45.22 to $55.91 at 7.99% to 29.99% APR, per $1,000 borrowed. Your terms may vary and are subject to credit approval.
Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC