Renovate Now & Pay Over Time

We're now offering payment over time options with 0% APR financing available* for all larger purchases on! Pre-qualifying is easy, and you never have to leave our site to check out!
Make your purchases fit your budget. Pay for large purchases over time with rates that are often lower than credit card or other loan options.
Pay for your order over 3, 6, or 12 months*, so you can use whatever best suits your finances and preferences.
Bread has no hidden fees or prepayment fees. If you pay late or bounce a check, a ten dollar fee will apply in each case, in addition to the amount of your missed payment. You can pay back your loan early with no penalty or fee.
Check your rate in seconds without leaving our site

*The term is for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 3 equal monthly payments of $333.33 at 0% APR or 12 equal monthly payments of $86.52 to $97.48 at 6.99% 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, Member FDIC.