Shoppers Help Center
If you have a complaint regarding the retailer’s website or customer service, please contact the retailer directly.
You can apply via the website of any participating store.
Add items to your cart and provide a few pieces of information to begin the checkout process.
Select Pay-Over-Time at Checkout
Get a decision quickly without affecting your credit score. Confirm your plan.
You can apply via the website of any participating online store.
When you’re ready to buy, click on Bread’s® financing button to get your rate in seconds.
If you pre-qualify, you will be presented with the financing terms offered and sample payment amounts. Add the item to the retailer’s shopping cart and choose Bread® or “Pay Over Time” as your preferred method of payment when you check out.
We are committed to delivering a dignified customer experience and treating you with respect. Bread® loans include straightforward, easy-to-understand terms. Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget.
Safeguarding your information is of the utmost importance to us. We are committed to keeping your personal information secure. Data is encrypted in transit and at rest.