What is Cross River Bank and how is it related to Bread? August 01, 2019 22:56 Updated Follow Cross River Bank is a New Jersey State Chartered Bank, Member FDIC, and is the lender for all Bread loans. Related articles Does buying with Bread® impact my credit score? Am I eligible to buy with Bread®? What is Bread? Is Bread a credit card? Does Bread® report to the credit bureaus? Comments 0 comments Please sign in to leave a comment.