Pay Over Time

by

How it works

You have two options to choose from:

Installments


Low monthly payments over time

Easy monthly payment options using your debt card or checking account. Pay for your order over 3, 6, or 12 months at competitive interest rates*.

Starting at 0% APR for 3 months*

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking your rate won't affect your credit score.

See My Rate & Monthly Payment

SplitPay


Make 4 equal, interest-free payments

Pay automatically on your debt or credit card every two weeks. No Interest, no fees. Pay for your purchase with monthly payments and prepay at any time without penalty.

0% APR (interest-free)

No Prepayment Penalties

Prepay at any time without penalty.

Quick and Easy Application

Get a decision in seconds with no obligation to buy. Checking won't affect your credit score.

See My SplitPay Amount

Check your rate in seconds without leaving our site

See My Rate & My Payment

Shop any of our eligible products and click the "As low as" button to see your specific financing options

Questions?

Check Bread's FAQ or reach Bread directly at support@getbread.com or (844) 992-7323 ext. 1.

*The terms are for a loan to finance a purchase. Rates range from 0.0% to 29.99% APR, resulting in, for example, 12 equal monthly payments of $86.52 to $97.48 at 6.99% 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.