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!
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.
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.