Customizable Experience

Promote your brand, not ours. Tailor Bread to match your brand and fit seamlessly into your user experience.
  • White Label

    Customize everything. Use your logo, colors, and fonts to create a consistent user experience that feels like a native part of your site.
  • Full Control Over UX

    Use Bread’s embedded checkout functionality to make financing a fully integrated part of the checkout process.

Flexible Loan Terms

Create a custom plan that meets your customers’ needs. Loan products include up to 36-month interest-bearing financing and up to 18-month true 0% APR financing.
  • Flexible Loan Terms

    You can choose to offer terms from 3 to 36 months and true 0% APR products to drive incremental sales lift.
  • Custom Offering

    Optimize your financing program for different products, categories, order values, or campaigns.

E-Commerce Integrations

“We care so much about our customers and the integrity of our products, which is exactly how Bread treats our partnership. They’ve demonstrated that level of commitment through their ability to fit our financing needs, not the other way around.”
Mark Magnotti
Executive Director of EraGem
Read the case study
EraGem sees a nearly 250% increase in total financed sales.

Get the answers to your questions
about e-commerce financing

Businesses choose Bread because our unique full-funnel, white-label approach consistently outperforms other solutions in terms of unlocking revenue and boosting AOV and customer lifetime value.

All of Bread’s financing solutions are designed to be simple and fair, and to treat your customers with dignity. Customers make equal monthly payments until their loan is repaid. Shoppers are reminded of their due date each month, and there is no penalty for early repayment.

With Bread, you are paid upfront in full, minus a merchant discount fee, within three (3) business days of requesting settlement. You do not take on the credit risk and fraud risk in most instances.

Yes, Bread has robust white label capabilities that have been proven to drive higher conversions for our partners. With Bread you can customize the placement, aesthetics, and branding of financing across your site, including the application experience.

Bread partners with great brands selling direct to consumers (not to businesses) across many industries, from home goods to auto parts to fine jewelry. Bread’s solutions focus on financing durable goods rather than services. We support online, phone, and in-store sales channels with best-in-class technology and an outstanding service organization. Contact a member of our team to see how Bread can help your organization.

Bread powers financing solutions
that increase sales for retailers.

The Bread® solution includes easy-to-understand financing options, flexible terms, and
all of the tools you need to let your customers pay over time. Contact us today to see
how Bread can help you attract, convert, and retain more customers.