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.
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.
Yes, Bread reports repayment information to TransUnion.
While you will not be able to adjust your loan terms after you have checked out, you may be eligible for a due date modification. In order for your account to be eligible for due date modification, your account must be current and your first payment must have been submitted.
To modify your due date, please refer to the following steps:
– Visit members.breadpayments.com
– Enter the mobile phone number associated with your Bread account. We will then text you a 4-digit token to complete the login process.
– Enter the token in the field provided to login to the portal
– Click to view your loan module
-Scroll down and you should see the option to change your due date on the lower lefthand side of the loan module.
-Click “Modify Due Date” and select the date that works best for you
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.
Loans offered through the Bread platform are made by Cross River Bank, a New Jersey state-chartered bank, Member FDIC.
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