Affordable Monthly Programs

Pay for your order over 12 months at 0% APR or over 24 or 36 months at competitive interest rates*

No Prepayment Penalties

Pay back the loan in monthly payments and prepay at any time without penalty.

Apply in Seconds

Checking your eligibility won't affect your credit score. Get a decision in seconds.

Checking your rate will not affect your credit score.


There’s no obligation to purchase when you prequalify for financing.


Buy now, and billing won’t start until you receive your LEIF.

*The term 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 36 equal monthly payments of $31.80 to $42.45 at 8.99% to 29.99% APR, per $1,000 borrowed. Your terms may vary and are subject to application. Bread loans are made by Cross River Bank, Member FDIC.

Commute with LEIF and it Pays for Itself

  • San Francisco
  • $ 91 Savings Per Month
  • bart
  • New York
  • $ 116 Savings Per Month
  • nyc-mta
  • Los Angeles
  • $ 100 Savings Per Month
  • la-metro