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• *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 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. Down payment may be required. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.