Two easy options.


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.


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.


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


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


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 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.