Two easy options.

Installments

Low monthly payments over time using your debit card or checking account, starting at 0% APR!** See if you pre-qualify now and receive a decision within seconds

**Pre-qualification is based on a $1000 loan. Your final payment will be determined after selecting Bread Pay Over Time in checkout.

SplitPay

Pay with 4 equal interest-free payments. All you need is a debit or credit card with sufficient funds to cover the payment amount.

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How can I apply for financing?

See if you pre-qualify above, or simply follow these steps at checkout.

1

Visit the product page and select “Add to Cart.”

2

Select “Proceed to Checkout” and enter your shipping information.

3

When you reach the payment section, select the Bread Pay Over Time option as a Payment Method. Choose Installments or SplitPay and apply right then and there.

How does Bread Installments financially work?

Bread 1

Fast and Easy Online Application

No paperwork here! Applying is easy and financing terms are clear. Checking your eligibility won't affect your credit score. You'll get a decision in seconds.

Bread 2

Flexible & Affordable Monthly Programs

Pay for your order over 3, 6 or 12 months at competitive interest rates as low as 0% APR*.

Bread 3

No Prepayment Penalties

You pay back the loan in monthly payments and can prepay at any time without penalty.

Questions? Reach out to Bread directly at

support@getbread.com or (844) 992 7323 ext. 1

**The term is 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 or 24 equal monthly payments of $45.22 to $51.91 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.