Shoppers Help Center
Bread loans offered through our partner bank are only available to help finance individual purchases through participating online retailers.
No. When you finance a purchase through Bread® you are applying for a closed-end loan from Cross River Bank, a New Jersey state-chartered bank, Member FDIC.
For some borrowers, APR rates offered through the bank may also be lower than with a credit card or other payment alternatives.
While we are available to answer some questions about using our product, you will need to decide whether the terms of the loan fit your needs. All loans are made by Cross River Bank, a New Jersey State Chartered Bank, Member FDIC.
You can apply via the website of any participating store.
Add items to your cart and provide a few pieces of information to begin the checkout process.
Select Bread at Checkout
Get a decision immediately without it affecting your credit score. Confirm your plan.
Pay Over Time
Sign up for Autopay, and we’ll send you reminders ahead of every due date.
Some of our merchants also offer Bread financing options in their stores or over the phone. Please reach out to our participating merchants for specific information.
Once you have taken out a loan, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. In some instances, we may also obtain your credit profile from a smaller credit reporting agency, SageStream.
Bread is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments.
Bread offers two ways to buy now and pay later. With our installment loan, you pay us back monthly over 3-36 months with rates as low as 0% APR. With SplitPay, you pay us back in 4 equal payments over 6 weeks at 0% interest.
U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.
You can apply via the website of any participating online store.
When you’re ready to buy, click on Bread’s® 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. Some of our merchants also offer Bread financing options in their stores or over the phone. Please reach out to our participating merchants for specific information.
We are committed to delivering a dignified customer experience and treating you with respect. The Bread loan includes straightforward, easy-to-understand terms. Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget.
Safeguarding your information is of the upmost importance to us. We are committed to keeping you personal information secure. Data is encrypted in transit and at rest.
If you have a complaint regarding the merchant’s website or customer service, please contact the merchant directly. If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team. Please note that if we open a dispute with the merchant, that dispute can take up to 30 days to reach a resolution and must be initiated within 120 days of your checkout.
If you have a complaint about Bread, your account, or customer service, please contact our Member Support team at (844) 992-7323. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.
You can also email us at firstname.lastname@example.org.
For phone inquiries, please contact our Member Support team at (844) 992-7323. You can also email us at email@example.com.
Our team is available Monday through Friday from 8:00AM to 8:00PM EST, and Saturday and Sunday 10:00AM to 6:00PM EST.
Yes, Bread reports repayment information to TransUnion.
We encourage you to provide any evidence you have so we can fully investigate your account. If available, please send us a copy of the credit report that includes the information you believe is wrong. You can submit your documentation to firstname.lastname@example.org or send via letter to:
P.O. Box 1264
New York, NY 10276