Pay over time for as low as 0% APR*

, 12, 18 or 24 months financing available*. Clear, transparent terms. Fair rates. No prepayment penalties.

Financing for RingWraps

We offer a payment plan through Bread. Easy, fixed payments can be made over 6, 12, 18 or 24 months*. Prepay your loan at any time and save money on interest without the worry of getting charged prepayment penalties. You can pay with Bread on our website.

How Bread Works

You can apply for Bread on our website. If you pre-qualify, you will be presented with the loan terms offered and sample monthly installment amounts. Add the item to the merchant’s shopping cart and choose Bread® as your preferred method of payment when you check out.

Affordable Monthly Plans

Pay for your order over 6, 12, 18 or 24 months at competitive interest rates as low as 0% APR*.

No Prepayment Penalties

Pay for your purchase with monthly payments and prepay at any time without penalty.

Quick and Easy Application

Get a decision in seconds with no obligation to buy.

Choose 6, 12, 18 OR 24 Monthly Payments*

Bread has designed its loans to offer you flexibility and control over your budget. Bread offers rates from as low as 0% APR.*

Real People With Real Support

Questions about Bread? Contact Bread directly at support@getbread.com or (844) 992-7323 ext. 1.

Frequently Asked Questions About Bread

You can make payments on your loan via your bank account, personal debit card, or mailed check. You can also set up automatic bill pay with your issuing bank.

To make a payment online, visit members.getbread.com and enter the mobile phone number associated with your Bread account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

Additional Information

*The terms are for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 18 equal monthly payments of $55.56 at 0% APR, or 18 equal monthly payments of $59.14 to $69.67 at 7.99% 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, a New Jersey Chartered Bank, Member FDIC.