Shoppers Help Center

Bread Loan cancellations can only be completed before 11:59pm EST on the day that your Bread Loan was initiated. You will not be eligible to cancel your Bread Loan after that time because Bread immediately disburses funds to pay off your credit accounts, making a cancellation no longer possible.

If your Bread Loan is eligible for cancellation, you can cancel it via our online Member Portal using the following steps:
– Visit member-portal.breadpayments.com/login
– Enter the email address and mobile phone number associated with your Bread account. We will then text you a 4-digit verification code to complete the login process
– Enter the verification code in the field provided to log into the Bread Member Portal.
-Scroll to the bottom of your Bread Loan details, and locate the grey text that reads, “Need to cancel your loan? Click here to cancel.”
-Click on the link, and follow the cancellation prompts

Your first payment is due one month after all of your approved debt consolidation transfers are complete. We’ll send you a message via email once your loan starts that includes your monthly payment date and monthly payment amount. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date.

At this time we are unable to change the terms of your loan with Bread that you previously agreed to.

You should continue to make payments on any credit card accounts you are consolidating until the accounts show they have been paid, as this may take several days. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date. You may have a remaining balance if your credit card issuer assessed interest or additional purchases were made that were not included when you applied for your Bread Loan.

Review your credit card balance with your existing credit card issuer. The proceeds from your Bread Loan will appear as a payment on your existing credit card. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date. You should continue to make payments on any credit card accounts you are consolidating until the accounts show they have been paid. It may take several days for the payment to process to your credit card. You may have a remaining balance if your credit card issuer assessed interest or additional purchases were made that were not included when you applied for your Bread Loan.

You may also log into Bread’s Member Portal to check on the status of your transfers.

You may consolidate up 5 eligible credit card balances. The total amount of credit card balances that you can consolidate using your Bread Loan may not exceed the loan amount you qualify for.

You can consolidate balances from most credit card accounts, except those issued by Comenity Bank or Comenity Capital Bank, creditors who are unable to accept electronic payment and require a paper check or non-U.S. creditor accounts.

Not sure if your account is a Comenity account? Check the back of your credit card or visit Comenity.net.

As a valued Comenity Capital Bank, Comenity Bank, and/or Bread customer, you have been invited to apply for a Bread Loan to consolidate your credit card debt.