Bread® is a pay-over-time technology solution that helps people make purchases with easy-to-understand payments through its affiliated bank, Comenity Capital Bank. Bread is now expanding its pay-over-time solution to include debt consolidation loans made by Comenity Capital Bank.
How It Works
Provide Your Info
Tell us how much you want to consolidate and provide some basic information about yourself – none of which will affect your credit score.
Explore Loan Options
Find out how much debt you are approved to consolidate and how much your monthly payment can be.
Consolidate Credit Card Debt
Set up the credit card balances you’d like to consolidate and finalize the length and APR of your new loan. Then, review and accept your loan agreement and finally, initiate your loan.
Checking your rate will not affect your credit score
Frequently Asked Questions
We work with our bank affiliate, Comenity Capital Bank, who determines eligibility by reviewing factors such as your credit score and repayment history.
Ready to get started?Respond to Offer Checking your rate will not affect your credit score.
Bread personal loans are made by Comenity Capital Bank.