Monthly Programs

Pay for your order over 12 months at rates as low as 0% APR or up to 36 months at competitive interest rates*

No Pre-Payment Penalties

Pay back the loan in monthly payments and prepay at any time without penalty.

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Get a decision in seconds with safe and secure pre-qualification.

Check your rates by clicking 'Pay over time' at checkout

*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 36 equal monthly payments of $31.33 to $42.45 at 7.99% 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.