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.*
Review Your Purchase and Check OutWhen you’re ready to buy, choose your plan and confirm your order without leaving the retailer’s site.
* As of March 4, 2019, checking out with Bread will not result in a hard inquiry to your TransUnion report. However, we do report to the credit bureaus, which may affect your credit score. Additionally, we may obtain your credit profile from a smaller credit reporting agency, SageStream, which may impact your credit.
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 email@example.com.