General Questions

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

As an alternative, you can also enroll in autopay by logging into our portal https://members.getbread.com/#/ or contacting us at (844) 992-7323 and selecting option #1

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Yes, Bread reports repayment information to TransUnion.

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Protecting the security and integrity of your credit application is important to us. Sometimes we need additional information to verify your identity. In these cases, we ask for photos of the front and back of an identity document — either your US Driver’s License or US state ID — to verify that you are who you say you are. This helps to protect your application from fraud and helps to comply with regulatory requirements.

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You can use any digital camera to take a photo of your US Driver’s License or US State ID. If you’re visiting the Identity Document upload page on your mobile device with a camera, you can take a photo of your identity document using the device’s camera. If you’re using a desktop computer, we recommend using a separate digital camera and uploading the images to your desktop computer first.

After placing the identity document on a dark, flat surface, check that your document is free from any shadows or glare. When framing the photo, make sure you the entire document is visible and that everything is in focus.

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After you submit your US Driver’s License or US State ID, your application will be reviewed and you will receive an email with a decision and instructions to complete checkout if the application can move forward. This review typically takes 1-3 business days.

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For phone inquiries, please contact our Member Support team at (844) 992-7323. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

You can also email us at support@getbread.com.

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To ensure the security of your information, we only provide your account information directly to you unless we receive your verbal consent to disclose information to a third party.

Please call our Member Support team at (844) 992-7323, Option 1, to authorize a third party or verify your account information via conference call. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

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For security purposes, we only update your information via phone.

Please call our Member Support team at (844) 992-7323, Option 1, to update your contact information. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

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Bread® financing does not include down payments. You must finance the entirety of your checkout amount if your checkout amount does not exceed your available credit limit.

However, once you’ve taken out a loan, you can prepay at any time without penalty, shortening the duration of your loan. You are not responsible for any interest that has yet to accrue.

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You can not make payments made via credit card or business debit cards.

Additionally, Bread does not currently accept FSA or HSA payment cards because we are not designated as a health services merchant.

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You can make payments on your loan via your bank account, personal debit card, or mailed check. You can also set up automatic bill pay with your issuing bank.

To make a payment online, visit members.getbread.com and enter the mobile phone number associated with your Bread account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

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Safeguarding your information is of the upmost importance to us. We are committed to keeping you personal information secure and will keep it encrypted.

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No. When you finance a purchase through Bread® you are applying for a closed-end loan from Cross River Bank, a New Jersey state-chartered bank, Member FDIC.

For some borrowers, APR rates offered through the bank may also be lower than with a credit card or other payment alternatives.

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Please contact TransUnion to lift the freeze on your credit profile. Once lifted, you can return to the merchant’s website to complete the pre-qualification form.

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Yes! If the overall credit offered to you can finance more than one purchase with Bread’s merchant partner, you can complete a second purchase, provided your credit eligibility has not changed.

Before you complete another checkout, click the ‘Log In’ button on the right hand corner of our financing application to view if your credit eligibility has changed.

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Please wait a few minutes before requesting a new token code as you may receive a text with several codes all at once.

We also recommend you request your token code via voice call by selecting ‘Didn’t get the token?’ and then selecting ‘Call Me with a New Token’.

For additional assistance, please contact our Member Support team.

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We work with our partner bank, Cross River Bank, Member FDIC, who determines the credit risk of you as a borrower, and offer you a rate that fits your credit profile. Lower risk borrowers will typically get lower rates depending on their individual eligibility and terms our merchant partners choose to offer.

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The Annual Percentage Rate or APR is the cost of credit as a yearly rate. You may be offered an APR that ranges from 0% to 29.99%, depending on your individual creditworthiness.

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We work with our partner bank, Cross River Bank, Member FDIC, who determines the creditworthiness of any potential borrower by reviewing factors such as your credit score and repayment history on credit cards and other types of loans and approves the loans it makes.

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About Bread

We encourage you to provide any evidence you have so we can fully investigate your account. If available, please send us a copy of the credit report that includes the information you believe is wrong. You can submit your documentation to crdisputes@getbread.com or send via letter to:

P.O. Box 1264
New York, NY 10276

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Yes, Bread reports repayment information to TransUnion.

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While we are available to answer some questions about using our product, you will need to decide whether the terms of the loan fit your needs. All loans are made by Cross River Bank, a New Jersey State Chartered Bank, Member FDIC.

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For phone inquiries, please contact our Member Support team at (844) 992-7323. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

You can also email us at support@getbread.com.

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If you have a complaint about Bread®, your account, or customer service, please contact our Member support team.

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If you have a complaint regarding the merchant’s website or customer service, please contact the merchant directly. If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team.

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Safeguarding your information is of the upmost importance to us. We are committed to keeping you personal information secure and will keep it encrypted.

Did this answer your question?

No. When you finance a purchase through Bread® you are applying for a closed-end loan from Cross River Bank, a New Jersey state-chartered bank, Member FDIC.

For some borrowers, APR rates offered through the bank may also be lower than with a credit card or other payment alternatives.

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Bread® loans offered through our partner bank are only available to help finance individual purchases through participating online retailers.

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We are committed to delivering a dignified customer experience and treating you with respect. The Bread® loan includes 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.

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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 loan terms offered and sample monthly installment amounts. Add the item to the merchant’s shopping cart and choose Bread® as your preferred method of payment when you check out.

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U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.

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Bread® is a pay-over-time technology solution that helps you make purchases with easy-to-understand monthly payments.

When you check out with Bread®, you agree to an installment loan from our lending partner, Cross River Bank, a New Jersey State Chartered Bank, Member FDIC.

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Once you have taken out a loan, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. In some instances, we may also obtain your credit profile from a smaller credit reporting agency, SageStream.

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You can apply via the website of any participating store.

When you’re ready to buy, click on the Bread® financing button to get your rate in seconds.

If you pre-qualify, you will be presented with the loan terms offered and sample monthly installment amounts. Add the item to the merchant’s shopping cart and choose Bread® as your preferred method of payment when you check out.

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Installments

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

As an alternative, you can also enroll in autopay by logging into our portal https://members.getbread.com/#/ or contacting us at (844) 992-7323 and selecting option #1

Did this answer your question?

Bread does not currently accept FSA or HSA payment cards because we are not designated as a health services merchant.

Did this answer your question?

Protecting the security and integrity of your credit application is important to us. Sometimes we need additional information to verify your identity. In these cases, we ask for photos of the front and back of an identity document — either your US Driver’s License or US state ID — to verify that you are who you say you are. This helps to protect your application from fraud and helps to comply with regulatory requirements.

Did this answer your question?

While we are available to answer some questions about using our product, you will need to decide whether the terms of the loan fit your needs. All loans are made by Cross River Bank, a New Jersey State Chartered Bank, Member FDIC.

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You are required to make payments on your loan until the merchant resolves your query or Bread resolves a dispute in your favor. If Bread resolves a dispute in your favor, any payments made will be returned to you.

If you have received damaged merchandise, please contact the merchant directly to report the damage and inquire about the replacement or return of your items. If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team to open a formal dispute.

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If you are missing part or all of your order, or have received damaged merchandise, please contact the merchant directly to inquire about the status of your items. If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team to open a formal dispute.

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We are unable to change or add to an order that has already been placed. To place a second updated order, please contact the merchant directly and request an order cancellation or return.

Once the merchant receives and processes your cancellation or return, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly.

You may still have an outstanding balance after a cancellation has been processed. This balance could consist of restocking fees, accrued interest, or some combination of the two.

If a partial cancellation or return is issued, your loan amount will be adjusted to reflect your new remaining balance. If a cancellation or refund is issued in full, any payments made on your loan will be returned to you less the accrued interest.

Any cancellations or refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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To request a return authorization, please contact the merchant with whom you have shopped directly.

All returns are subject to the policies put in place by Bread’s merchant partners. Once the merchant issues your return, a partial or full refund is automatically applied to your loan. Your Bread account status and loan balance are adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. This balance could consist of restocking fees, accrued interest, or a combination of the two.

If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you less the accrued interest.

Any refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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To cancel your order, please contact the merchant with whom you have shopped directly.

All cancellations are subject to the policies put in place by Bread’s merchant partners. If our merchant partner issues your cancellation, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly.

You may still have an outstanding balance with Bread after a cancellation has been processed. This balance could consist of accrued interest.

If a partial cancellation is issued, your monthly installment amount will be adjusted to reflect your new remaining balance. If your entire order is canceled, any payments made on your loan will be returned to you less the accrued interest.

Any cancellations issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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To check on the status of your order, please contact the merchant with whom you have shopped directly.

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You can log on to Bread’s online member portal here to view your current balance.

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To ensure the security of your information, we only provide your account information directly to you unless we receive your verbal consent to disclose information to a third party.

Please call our Member Support team at (844) 992-7323, Option 1, to authorize a third party or verify your account information via conference call. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

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If you don’t submit your payments by your due date, your account will be past due. Paying late may impact your eligibility for Bread® loans in the future and may ultimately affect your credit score, as we report to the credit bureaus.

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You will not be able to consolidate your loans.

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You will not be able to adjust loan terms selected after you have checked out.

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You will not receive paper monthly statements.
To view your payment schedule and account details online, please visit members.getbread.com.

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To enroll in AutoPay online, log on to Bread’s member portal here.

To enroll in AutoPay via phone, please call our Member Support team at (844) 992-7323, Option 1. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

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To update your payment information online, log on to Bread’s member portal here.

To update your payment information via phone, please call our Member Support team at (844) 992-7323, Option 1. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

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To view your account details online, log on to Bread’s member portal here.

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Paying back your loan early will not adjust your monthly installment amount.

Any prepayments made will be applied toward your principal balance, shortening the duration of your loan. You are not responsible for any interest that has yet to accrue.

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Yes! You can prepay anytime for all or part of your loan. There is never a penalty for paying early.

Any prepayments will go directly towards your principal balance, shortening the duration of your loan. You are not responsible for any interest that has yet to accrue.

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Bread® financing does not include down payments. You must finance the entirety of your checkout amount if your checkout amount does not exceed your available credit limit.

However, once you’ve taken out a loan, you can prepay at any time without penalty, shortening the duration of your loan. You are not responsible for any interest that has yet to accrue.

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You can not make payments made via credit card or business debit cards.

Additionally, Bread does not currently accept FSA or HSA payment cards because we are not designated as a health services merchant.

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You can make payments on your loan via your bank account, personal debit card, or mailed check. You can also set up automatic bill pay with your issuing bank.

To make a payment online, visit members.getbread.com and enter the mobile phone number associated with your Bread account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

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Your first payment will be due no fewer than 30 days from the date the merchant settles your transaction. Subsequent payments are due on that date every month for the duration of your loan term. To view your payment schedule, log on to Bread’s member portal here.

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If you are asked to pay for part of your purchase up-front, this means that you were not approved for financing for the full amount of your purchase.

With some participating merchants, you are allowed to split payment for your purchase by paying for part of the purchase price up front with a credit or debit card, and financing the rest through Bread’s lending partner, Cross River Bank. The credit or debit card payment is processed separately and is not a downpayment on your loan

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Unfortunately, not all who apply for financing may receive credit terms. If you believe a mistake has been made, please contact TransUnion to verify the information on your current credit profile.

If you are declined, you will receive a notice within 30 days at the email address on file with your financing application that outlines the reason for your denial. Additionally, you won’t be eligible to apply for financing for the next 90 days.

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SplitPay

Please wait a few minutes before requesting a new token code, as there may be a slight delay in the arrival of the text message. Please note that you may not be able to receive your token if the phone number you are entering belongs to a fixed landline, rather than a mobile phone.

As an alternative to receiving the token via text message, we recommend you request the token via voice call by selecting ‘Didn’t get the token?’ and then selecting ‘Call Me with a New Token’.

For additional assistance, please contact our Member Support team at (844) 992-7323.

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For security purposes, we only update your information via phone. 

Please call our Member Support team at (844) 992-7323, Option 1, to update your contact information. We are available to speak on Monday through Friday from 10:00AM to 6:00PM EST.

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You can see the current balance of your SplitPay payment in your confirmation emails. If you have additional questions, please email our Member Support team at support@getbread.com.

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Your payments will continue to be auto-drafted until the merchant resolves your inquiry or Bread resolves a dispute in your favor. 

If Bread resolves a dispute in your favor, any payments made will be returned to you.

If you have received damaged merchandise, please contact the merchant directly to report the damage and inquire about the replacement or return of your items. If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team to open a formal dispute.

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If you are missing part or all of your order, or have received damaged merchandise, please contact the merchant directly to inquire about the status of your items. 

If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team to open a formal dispute.

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Unfortunately, we are unable to change or add to an order that has already been placed. 

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To check on the status of your order,  please reach out to the Merchant directly.

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After the merchant processes your return a partial refund will be issued to your transaction and your SplitPay balance will adjust accordingly. Any remaining installments will be adjusted (starting with your last installment and moving backward).

For example, if you made a purchase of $1000 and returned $500, we would cancel your last two SplitPay payments of $250. If you have already made these payments, we would refund the appropriate amounts.

The payments will be credited back to your original payment method.

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Once the merchant receives your return, a partial or full refund is automatically applied to your SplitPay purchase. 

For partial refunds, we will deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1000 and returned $500, we would cancel your last two SplitPay payments of $250. If you have already made these payments, we would refund the appropriate amounts.

The payments will be credited back to your original payment method. 

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To request a return authorization, please refer to the Merchant’s return policies and contact the Merchant directly. 

Once the Merchant receives your return, a partial or full refund is automatically applied to your SplitPay purchase. If applicable, the payments you’ve made will be credited back to your original payment method.

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You will receive an email and text reminder 4 business days before your next payment is due.

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Unfortunately, no. The dates your payments are due are predetermined from the date that you check out.

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We recommend that you let us know as soon as possible. 

We can add a new card to your account, ensuring that it stays current while your bank sends you a replacement card.

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Not a problem. Please contact us at (844) 992-7323 so we can update your payment method for you. Our team is available from 10:00 a.m. to 6:00 p.m. EST (Monday through Friday).

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No, not at this time. 

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We will retry charging your payment method 1 day later for the original amount. If this initial retry fails, we will add the original payment amount to your next scheduled payment. We will continue to retry your payment method until the last payment. 

If you fail to make your payment you will no longer be eligible for SplitPay. We reserve the right to report to credit bureaus in the future.

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When you check out with SplitPay, you may see two additional charges. This is just a temporary authorization, and this charge will be released back to your bank account within 1-3 business days.

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Yes, the next three payments will be taken out automatically every 2 weeks over the next 6 weeks. We will send reminders via text and email 4 days before your payments are due.

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You’ll be making your first of four payments the moment you check out.

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No. Your credit will not be affected if you check out with SplitPay.

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To pay with SplitPay, the value of your purchase has to be between $50-$1000.  

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SplitPay is available to shoppers who are:

  • a U.S. resident;
  • At least 18 years old (or over 19 for Alabama or Nebraska residents);
  • Have a valid mobile number; and
  • Own a debit or credit card with sufficient funds to cover the first payment amount.

Please note that we cannot accept payments by ACH, Bank Transfer, or Pre-Paid cards.

You need to fully pay off your outstanding SplitPay installment before making another SplitPay purchase with Bread.

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With SplitPay, we break down the total cost of your purchase into four equal installments, due every two weeks. Your first payment is due at the time of purchase. The remaining three payments will be automatically processed every two weeks until the purchase is paid off. 

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SplitPay is a payment option that enables you to pay for your purchase with four equal interest free installments.

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Returns and Cancellations

Once the merchant receives and processes your cancellation or return, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly.

If a partial cancellation or return is issued, your loan amount will be adjusted to reflect your new remaining balance. If a cancellation or refund is issued in full, any payments made on your loan will be returned to you less the interest.

Any cancellations or refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

If your requested cancellation or return does not reflect on your account, please contact the merchant directly to check on the status of your request.

If you are still are having difficulty after contacting the merchant, please contact our Member Support team.

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To request a return authorization, please contact the merchant with whom you have shopped directly.

All returns are subject to the policies put in place by Bread’s merchant partners. Once the merchant issues your return, a partial or full refund is automatically applied to your loan. Your Bread account status and loan balance are adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. This balance could consist of restocking fees, accrued interest, or a combination of the two.

If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your loan will be returned to you less the accrued interest.

Any refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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To cancel your order, please contact the merchant with whom you have shopped directly.

All cancellations are subject to the policies put in place by Bread’s merchant partners. If our merchant partner issues your cancellation, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly.

You may still have an outstanding balance with Bread after a cancellation has been processed. This balance could consist of accrued interest.

If a partial cancellation is issued, your monthly installment amount will be adjusted to reflect your new remaining balance. If your entire order is canceled, any payments made on your loan will be returned to you less the accrued interest.

Any cancellations issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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We’re sorry you aren’t happy with your purchase!

All cancellations are subject to the policies put in place by Bread’s merchant partners. If our merchant partner issues your cancellation or return, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly.

If a partial refund is issued, your loan amount will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments already made on your loan will be returned to you less the interest.

Any refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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Disputes and Refunds

Any payments made on your loan will be returned to you less any accrued interest.

Any cancellations or refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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If a refund is issued in full, any payments made on your loan will be returned to you less any accrued interest.

Any cancellations or refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your loan.

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If a partial refund is issued to your loan, your monthly installment amount will be adjusted to reflect your new loan remaining balance.

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If you have a complaint regarding the products ordered, the delivery of your items, or a requested cancellation or return, please contact the merchant directly to inquire about the status of your items. If the merchant is unresponsive to your query, or acts outside of their listed policy, please contact our Member Support team to open a formal dispute.

We require the following to initiate your dispute:

1. Evidence of your correspondence with the merchant that is an attempt to resolve the dispute
2. The loan amount being disputed
3. A description of the nature of the dispute, including the items disputed

A dispute with the merchant can take up to 30 days to reach a resolution and must be initiated within 120 days of your checkout.

You are required to make payments on your loan until the merchant resolves your query or Bread resolves a dispute in your favor. If Bread resolves a dispute in your favor, any payments made will be returned to you.

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We want to hear from you

If you have questions about using Bread, we’re here to help.

Call us at (844) 992-7323 or login below.