1
Click Check My Rate
Learn your spending power. The application takes seconds to fill out and your answer will arrive in seconds. Checking won’t effect your credit score!
2
Shop Like You Mean It
You can spend less than, up to, or even above your spending power. The balance will be due on a credit card.
3
Choose Your Terms
If you prequalify, you’ll be presented with your options at checkout. They may range from 0% APR for 12 months, and competitive, interest-positive rates for 12, 18, or 24 months.* No pre-payment penalties.
*Subject to credit approval. The terms 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 at 7.99% to 29.99% APR, per $1,000 borrowed. Bread® loans are made by Cross River Bank, Member FDIC.
