Thank you for your interest in taking out a Bread Loan. We’re currently only accepting applications from those who have received an invitation to apply. We may send invitations to former and current Bread Pay™ or Comenity customers.

We offer Bread Loans that could cover up to $35,000 in total credit card debt and up to 5 eligible credit card balances.

However, there are eligibility requirements to be approved for a credit card debt consolidation loan. When you apply, you’ll learn the maximum loan amount you’re approved for.

You could get our decision right after submitting the application. But in some cases, we’ll need several days to review the details you provided before letting you know our decision.

When you apply for a Bread Loan, you’ll enter your information into a secure, online form. Whether you are approved for the loan or not, we won’t share this information outside of Bread Financial.

You can make payments on your Bread Loan using your personal debit card or bank account. You cannot make a Bread Loan payment with a credit card, check, business debit card or through a bill payment service.

We will be sending out monthly payment reminders that include the due date and payment amount. Your first payment will be due approximately one month after your loan starts. Already a customer? You can log in.

Bread Loans are offered in terms of 24, 36, 48, or 60 months. The amount of time you have to pay off your Bread Loan will be based on the loan term length you select and agree to when finalizing your loan.

We offer interest rates that range from 6.99% to 17.49% APR. Interest rates are determined based on your individual creditworthiness. When you apply, we’ll let you know the Bread Loan rates you’re eligible for.

We will perform a soft credit inquiry to determine your eligibility for a Bread Loan, which will not impact your credit score. There is no hard credit check during the application process and accepting the terms of a Bread Loan.

After taking out a Bread Loan, we may report repayment information about your account to the consumer reporting agencies, which may affect your credit score.

You will not be charged a fee for paying off a Bread Loan before the end of your loan term.

There are no application fees with a Bread Loan. We also do not charge an origination fee for processing your new loan.

We appreciate you making on-time payments. However, you should refer to your loan agreement to understand fees associated with your loan.

You can use phone or email to contact our support team. You can also find answers to common questions in our Help Center.