Pay by the Slice

Bread lets you pay over time for the things you need.

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How It Works

1. Find The Things You Need

Shop on any site that uses Bread and make your selections.

2. Apply And Buy

Check your rate in seconds. If you pre-qualify, review and select a payment plan to complete your purchase.

3. Pay Over Time

See your activity and make easy payments at our member site. Looking to make a payment?

Not a Credit Card

Keep it simple. Unlike credit cards, purchases with Bread are straightforward installment loans. You know each month’s payment, and the total cost, before you buy. That’s it. After you’ve made all the monthly payments, you’re done.

Quick, Simple Payments

Repaying your loan is easy. No gimmicks. Go to our member site to enroll in autopay or to make your regular monthly payment. You can prepay anytime without penalty.

Ways to Pay
  • Debit Card
  • Check
  • ACH Transfer
  • Money Order



See Bread in Action

Sample Payment Options*

*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. 

Common Questions

Bread® is a new type of financing platform. We help you pay for your purchases over time by making easy-to-understand monthly payments available to you.

We are committed to treating our customers with dignity. Our terms are clear and straightforward. We have no hidden fees. There is no prepayment fee. If you pay late or bounce a check, a ten dollar fee will apply in each case, in addition to the amount of your missed payment.

It’s easy. Shop at any participating store. 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 the merchant’s shopping cart and choose Bread as your method of payment when you check out.

You can make your payments through ACH or debit card or by mailing us a check. To make an ACH or debit card payment, please log into your account at We will guide you on how to set up an ACH payment from your bank account or use your debit card. So that you only need to do this once and never forget to make a payment, we will then ask you if you would like us to automatically debit your account or charge your debit card for all your future Bread payments. To make a payment by check, please mail the check to:

c/o Bread
Servicing Department
P.O. Box 783186
Philadelphia, PA 19178

Yes! You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

Also, if you prepay more than the monthly payment but less than the total balance due on your loan, your monthly payment will remain the same. However, you will pay off your loan sooner and because of that you will pay less in total interest.

Your first payment will be due at least 30 days after the merchant ships your order. Subsequent payments are due every month after that, usually on the same day of each month. (For instance, if your first payment was due on the 7th of a given month, future payments are generally due the same day each month. Of course, if your first payment was due on the 31st of a month or February 29th, we will make an adjustment.) You can see your full schedule of installment due dates in your account at

As with any other purchase, please get in touch with the merchant about cancellations or refunds. If you have a cancellation or refund, your loan size will be reduced by the cancellation or refund amount.

We’re Here For You

If you have questions about using Bread, we’re here to help.


or call us at (844) 992-7323


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