We have teamed up with Bread to offer easy financing – without a catch. There are no gimmicks like deferred interest or hidden fees, so the total you see at checkout is always what you actually pay. Provide some basic information and get a real time decision to split your purchase into 12, 24, and 36 monthly payments with rates from 6.99%-29% APR.
Does Bread perform a credit check?
Bread performs a “soft credit check” which will not affect your credit score! If you return to Bread for future purchases, Bread may run additional “soft credit checks.”
Who can apply for a loan with Bread?
U.S. residents over the age of 18 (19 for Alabama or Nebraska residents) are eligible, provided we can verify the customer's identity. Unfortunately, the Bread product is not offered in Idaho, Iowa, and West Virginia at this time.
How is the APR (annual percentage rate) on my loan determined?
Bread works with Cross River Bank (a New Jersey state-chartered bank) to look at the credit risk of you as a borrower, and to give you a rate that fits your credit profile.
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