*Subject to approval of credit application. Rates range from 0% to 29.99% APR, resulting in, for example, 24 monthly payments of $46.14 at 9.99% APR, per $1,000 borrowed. APRs will vary depending on credit qualifications, loan amount, and term. Bread® pay-over-time plans are loans made by Comenity Capital Bank. Bread loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC. We will be transitioning our partnering bank from Cross River Bank to Comenity Capital Bank on September 29th, 2021.