A Friendlier Way to Pay Over Time

  • Easy Application

    Applying is easy, so you can be on your way to purchasing in seconds.
  • Check Your Rate

    Check your rate before completing your purchase. Please see our FAQ for more information on how buying with Bread® may impact your credit score.
  • Check Out Immediately

    You'll get a real-time decision and be able to check out right away without leaving the retailer's site.
  • Safe and Secure

    We take security seriously and are committed to protecting your personal information.

Transparent Pricing

Take advantage of flexible loan terms and lengths to buy the things you want now and pay over time. It’s completely transparent, with no tricks or gimmicks.
  • Straightforward Loans

    Unlike credit cards, purchases through Bread® financing are made with straightforward installment loans. You’ll know each month’s payment (including any interest) before you buy. Once you’ve made all the monthly payments, you’re done!
  • Easy-to-Understand Terms

    Experience transparent pricing with no surprises. You’ll never see any compounded interest or prepayment penalties.
Choose an amount to see how Bread could help you with a purchase of this size*
$0
6 Months
12 Months
24 Months
Monthly Payment APR Interest Final Cost
6 Mo
$0.00
9.99% $0.00 $0.00
12 Mo
$0.00
9.99% $0.00 $0.00
24 Mo
$0.00
9.99% $0.00 $0.00
*These are examples only. If you pre-qualify, your terms will likely differ. Not every merchant that uses Bread will offer the loan terms listed above. Bread® loans are made by Cross River Bank, a New Jersey state-chartered bank, Member FDIC. Rates range from 0% to 29.99% APR.

Easy and Flexible Payments

We believe installment payments should be just as easy as checking out. That’s why you can make payments easily online from anywhere, set up automatic payments, and even choose a due date that works for you.
  • Easy Payments

    Payments can easily be made from your phone or computer through our easy-to-use member portal.
  • Pay How You Like

    Take control of how you repay your loan. You can pay by debit card, bank account, check, or money order.
  • Automatic Payments

    Sign up for automatic payments and have the option to change your due date to one that works best for your needs.
  • No Prepayment Penalty

    Prepay your loan at any time and save money on interest without the worry of getting charged prepayment penalties.

Get the answers to your questions
about e-commerce financing

You can apply via the website of any participating store.

When you’re ready to buy, click on the Bread® financing button to get your rate in seconds.

If you pre-qualify, you will be presented with the loan terms offered and sample monthly installment amounts. Add the item to the merchant’s shopping cart and choose Bread® as your preferred method of payment when you check out.

Checking your rate only results in a soft inquiry and will not affect your credit score.

If you pre-qualify and accept the terms offered, you will receive a hard inquiry as a customary notification to the credit bureaus the first time you complete a purchase using Bread®. Future purchases with Bread will not result in an additional hard inquiry.

As with other credit products, the number of hard inquiries completed on your credit profile is a factor that credit bureaus use to calculate your credit score and may lower your score. Completing a purchase with Bread® may affect your score.

Your first payment will be due no fewer than 30 days from the date the merchant settles your transaction. Subsequent payments are due on that date every month for the duration of your loan term. To view your payment schedule, log on to Bread’s member portal here.

You can make payments on your loan via your bank account, personal debit card, or mailed check. You can also set up automatic bill pay with your issuing bank.

To make a payment online, visit members.getbread.com and enter the mobile phone number associated with your Bread account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

To check on the status of your order, please contact the merchant with whom you have shopped directly.

To cancel your order, please contact the merchant with whom you have shopped directly.

All cancellations are subject to the policies put in place by Bread’s merchant partners. If our merchant partner issues your cancellation, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly.

You may still have an outstanding balance with Bread after a cancellation has been processed. This balance could consist of accrued interest.

If a partial cancellation is issued, your monthly installment amount will be adjusted to reflect your new remaining balance. If your entire order is canceled, any payments made on your loan will be returned to you less the accrued interest.

Any cancellations issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

Still have questions?

If you have questions about using Bread, we’re here to help.
Call us at (844) 992-7323 or email us at support@getbread.com.