Flexible Ways to Buy Now and Pay Later
Bread offers you an easy and convenient way to buy the things you want now and pay over time.LEARN MORE
Shop Online or In-Store
Add items to your cart. Choose Bread and get a real-time decision without it affecting your credit score.
Select Your Plan
Check out with Installments or SplitPay with rates starting at 0% APR.
Complete Your Purchase
Get your item now and pay over time in monthly installments or four easy payments.
Simple transparent terms. No prepayment penalties. No deferred interest.
Quick & Simple
Applying is easy. All we need is a few pieces of information and you get a decision in seconds.
Sign up for automatic payments and have the flexibility to change your due date if needed.
Not a Credit Card
Always know how much you’ll pay. Easy equal installments. No surprises.
Frequently Asked Questions
U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.
Checking your rate does not affect your credit score as only a soft pull is completed to check your eligibility. If you choose to finance your purchase with Bread after your pre-approval, we will not perform a hard inquiry with any of the three major credit reporting agencies.
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. We may also obtain your credit profile from smaller credit reporting agencies.
Yes, Bread reports repayment information to TransUnion.
You will not be able to adjust your loan terms after you have checked out.
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 financing terms offered and sample payment amounts. Add the item to the retailer’s shopping cart and choose Bread® or “Pay Over Time” as your preferred method of payment when you check out.
Loans offered through the Bread platform are made by Cross River Bank, a New Jersey state-chartered bank, Member FDIC.
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