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- During checkout, simply check the circle next to Bread and finish placing your order. You’ll be directed to Bread and asked to provide some basic information where you’ll get a real-time credit decision that doesn’t affect your credit score.
- After you’re prequalified, you can customize your payment plan between 3, 6, 12, 18 and 24 months.* There are no origination fees or prepayment penalties, so you’ll know exactly how much you owe.
Want to find out more information? Check out Bread’s FAQ page here.
The term is for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 12 equal monthly payments of $83.33 at 0% APR, or 24 equal monthly payments of $45.22 to $55.91 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.