Bringing dignity to consumer finance.

We use technology to advance consumer-friendly credit by improving access, transparency, ease, and cost. Our products are clear and easy to understand, and we deliver excellent customer service. We work with merchant partners to bring more customers within their reach by providing products and solutions that fit their needs.


Guiding Principles


Be Good

We treat every one of our customers – including both merchants and consumers – with dignity and respect. We have a passion to do right by our customers in every way, from the products we create to the experience we deliver and to the service we provide. We have no tricks.


Focus on Our Customers

We aim to provide each customer with the best possible experience, using technology and customer-focused design thinking.


Think Big

We aim to build a meaningful company, impacting the lives of millions of consumers and delivering outstanding returns to our investors and our employee stakeholders.


Embrace Compliance

Laws and regulations exist to protect consumers, which we support and respect. And we aim to go beyond obeying the letter of law and regulation, by acting in the spirit of doing what is right for the consumer and what is in the interest of public policy.


Manage Risk

We recognize the risks in financial services, and are careful and measured in our decisions. We are fully aware of our responsibility to act as fiduciaries for our stakeholders.


Have Fun

We are not your typical financial institution. We’re building a company that rewards hard work and a positive work environment.  We organize team outings, lunches and encourage working cross-functionally.


Our Investors

  • menlo-logo
  • b-logo
  • logo-rpe
  • logo-greycroft
  • redswan-logo
  • logo-maveron
  • logo-boxgroup
  • cue-ball_logo1
  • collecapital_logos_teal_lrg
  • montage


Working at Bread

This is a real business, focusing on an industry with a massive market. Every day we are working hard to effect positive change. We are proud of the complex work we do together as a team, but we also think it’s important to have fun and keep a positive work environment.

Benefits & Perks

  • Medical & Dental
  • 401(K) plan
  • Open vacation policy
  • New employees get cash towards their work station
  • Awesome office location in the heart of Flatiron
  • Team events like the US Open, trivia, Escape The Room, bowling, office happy hours
  • Weekly team lunches
  • Learning opportunities