How It Works
Paying over time through Bread® is quick, easy, and transparent.
Pay Over TimeYou’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-TimeFill 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 OutWhen 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.
Log in to Our Member PortalLog 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 TimeYou 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-paySign up for automatic payments and never worry about missing a due date.
Pay Over Time
See If You Pre-Qualify in Real-Time
Review Your Purchase and Check Out
Log in to Our Member Portal
Prepay Your Loan at Any Time
Sign up for Auto-pay
Still have questions?
Call us at (844) 992-7323 or email us at firstname.lastname@example.org.