Clear, transparent terms. Fair rates. No prepayment penalties. No hard credit check.
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?
Bread offers loans to customers without a hard credit pull from the top 3 bureaus (TransUnion, Experian and Equifax). You can not only pre-qualify, but also check out without a hard inquiry. Unlike hard inquiries, soft inquiries won't affect your credit scores. (They may or may not be recorded in your credit reports, depending on the credit bureau.)
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