How It Works

Paying over time through Bread® is quick, easy, and transparent.

Buying with Bread®

Bread® is a simple way to buy the products you want now and pay over time at your favorite online stores. Apply for financing in seconds without ever leaving the retailer's website.
  • Pay Over Time

    You’ll find Bread throughout our retail partners’ websites—often on product pages, in the shopping cart, and during checkout.
  • See If You Pre-Qualify in Real-Time

    Fill out some basic information to apply for your rate in seconds. Checking your rate won’t impact your credit score.* You won't receive a hard inquiry unless you decide to check out with financing.
  • Review Your Purchase and Check Out

    When you’re ready to buy, choose your plan and confirm your order without leaving the retailer’s site.

* A soft inquiry is used to check your rate, which won’t affect your credit score. If you then decide to complete a purchase, a hard inquiry is made to your credit file the first time you shop with Bread®, which may lower your score. Please see our FAQ on how completing a purchase with Bread may impact your credit score.

Making Monthly Payments

Make easy online payments using our member portal or sign up for auto-pay for worry-free payments. You also have the flexibility to pay off your loan at any time with no penalty.
  • Log in to Our Member Portal

    Log in to our member portal from your phone, computer, or tablet. You’ll also receive email reminders before your payment is due each month.
  • Prepay Your Loan at Any Time

    You can pay more than your minimum monthly payment to lower your interest charges, and you won’t be charged any prepayment penalties. You can pay by bank account, debit card, check, or money order.
  • Sign up for Auto-pay

    Sign up for automatic payments and never worry about missing a due date.

Still have questions?

If you have questions about using Bread, we’re here to help.
Call us at (844) 992-7323 or email us at