Affordable Monthly Plans
Pay for your order over 6, 12, or 24 months at competitive interest rates as low as 0% APR*.

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.

4 Equal Payments
SplitPay is Bread’s newest payment solution. Now you can split your purchases ($50-$1000) into four easy interest-free payments.

No Credit Check Required
SplitPay is not a loan and checking out with SplitPay won’t impact your credit score.

Always 0% Interest
SplitPay is always 0% APR, so shoppers can purchase more without worrying about interest.

Have Questions?

Check Bread’s FAQ or reach Bread directly at or (844) 992-7323 ext. 1.

*The terms are 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 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.