Pay over time with Bread

MyWiT® now offers options to pay over time with Bread®! Bread allows you an easy and honest way to pay monthly for your device purchases. They offer transparent pricing, easy online payments, and no prepayment penalties make your purchase worry-free. Checking your rate takes only seconds and can give you the freedom you need to stay connected when you need to most.


  • What programs (or terms) could I qualify for?

    • We’ll review your key information and offer you the following choices based on what you qualify* for:  

      • 0% interest over 3, 6, 12, 18, 24, or 36 months 

      • 7.99% - 29.99% interest (depending on what you qualify for) over 3, 6, 12, 18, or 24 months

  • How would I make a payment?

    • You can make payments with a debit card, check, or ACH. Bread will email you with follow-up instructions on how to do so.

  • When would my first payment be due?

    • Your first payment is due 30 days after your order has been fulfilled. Usually, this is about the time when you place your order. 

  • How do I pay over time?

    • Simply click on the financing button, enter in a few key pieces of information, input the 4 digit token sent to your mobile device, and see if you pre-qualify!

  • If I apply for financing, will this impact my credit score?

    • Seeing if you pre-qualify for a loan will not impact your credit score whatsoever. If you checkout with a loan, Bread also will not perform a hard inquiry at the 3 major credit reporting agencies!

  • I was declined for financing, why?

    • You will receive an email within 24 hours of your application from Bread, our financing partner. This email will disclose the reason that you were declined the option to finance your payment. You can still checkout with another payment method. 

  • I was approved for a loan, but my loan amount won’t cover my full order size. What do I do?

    • You will be triggered to input your credit/debit card information in the checkout process – this will allow you to cover the remaining amount of your cart with a credit/debit card.

Got additional Questions?

Check Bread’s FAQ or reach Bread directly at or (844) 992-7323 ext. 1.


Terms vary based on actual loan products offered *Subject to credit approval. The terms 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 monthly payments of $31.33 to $42.45 at 7.99% to 29.99% APR, per $1,000 borrowed. Bread® loans are made by Cross River Bank, Member FDIC.