Shoppers Help Center

A confirmation email was sent on the date of your purchase.

To search for the confirmation email we sent to the email address you used to apply for a Bread Pay™ plan, you can try searching for: the retailer’s name, “thank you for paying with Bread”, or “thank you for paying over time with”. Upon locating the email, either follow the link to the Member Portal or click the Set Up AutoPay button (you will not be required to set up auto pay).

If you cannot locate the email with these searches, please contact Customer Service at 844-992-7323 for assistance.

Refer to the most recent email you were sent containing your loan information and click the link to the Member Portal. This will direct you to the correct login page.

If you cannot locate the email, please contact Customer Service at 844-992-7323 for assistance.

Paying your loan early will not adjust your monthly installment amount.

Bread Financial™ offers payment solutions that help you make purchases with easy-to- understand payments. Bread Financial products include: Bread Pay Installment Loans™, with terms from 3 to 48 months and Bread Pay™ SplitPay, with 4 bi-weekly payments of 25% of the purchase amount. Please note that installment loans and Bread Pay™ SplitPay offers may vary by retailer.

Bread Pay™ is a pay-over-time technology solution that helps you make purchases with easy-to-understand equal payments. Bread Pay™ products include the Bread Pay™ Installment plan, with terms from 3 to 48 months, and the Bread Pay™ SplitPay plan, with four payments made every two weeks, each payment being 25% of the original purchase amount.

Bread Pay™ offers flexible payment options or in-store purchases. With the Pay Later solution, upon approval of the credit application you’ll receive a confirmation code to use at the register in the participating retailer’s physical store location. The Pay Later code is valid for 12 hours and for only one purchase.

With the One-Time Use Card, upon approval of the credit application you’ll add the card to your phone’s digital wallet and then tap to pay at the register in the participating retailer’s physical store location.

Bread Pay Installment Loans™ are designed to offer customers a simple payment solution. Shoppers make equal monthly payments until their loan is repaid. Shoppers are reminded of their due date each month, and there is no penalty for early repayment.

Our bank affiliate, Comenity Capital Bank, determines the APR based on a variety of factors. Among others, these factors typically include your credit history and credit score, amount financed, and length of the term.

You will not receive paper monthly statements. We offer AutoPay, and we’ll send you reminders ahead of every due date. You can also view your payment schedule and account details online in the Bread Financial Member Portal.

Please wait a few minutes before requesting a new mobile verification code. The phone number you provide must be a mobile number that is able to receive text messages.

You are given 5 attempts to validate your mobile number before being blocked for 15 minutes. If you are still not receiving a mobile verification code, we recommend you request a new verification code by selecting ‘Resend code’.

For additional assistance, please contact our Member Support team.

Comenity Capital Bank, an affiliate of Bread Financial™, is the lender for Bread Financial’s pay-over-time products.

To dispute the information Bread Financial™ reported to the credit bureaus, you should file a dispute with the credit bureau where you observed the information you believe is inaccurate.

You access the Bread Financial Member Portal Home Page to view your current balance.

You can update your email and phone contact information in the Bread Financial Member Portal by navigating to the Account page and selecting the “Edit” link next to your email or phone number.

To update your email and phone number via phone, or to update any other information, please call our Member Support team.

Bread Financial™ currently offers financing in the U.S. only. At this time, Bread Financial is not available in U. S. territories

Bread Financial™ may report repayment information to consumer reporting agencies.

Checking your eligibility does not affect your credit score as only a soft inquiry is completed. If you choose to accept the Bread Financial™ loan terms after your pre-qualification, we will not perform a hard inquiry with any of the credit reporting agencies.

Once you have taken out a loan, Bread Financial™ may report repayment information about your loan to the consumer reporting agencies, which may impact your credit score.

You will not be able to adjust your loan terms after you have accepted them.

No, prepaid mobile phone numbers cannot be used as the primary account phone number with the application process and servicing of Bread Pay™ products.

To ensure the security of your information, we only provide your account information directly to you unless we receive your verbal consent to disclose information to a third party. We can also provide account information to your authorized power of attorney if you need ongoing support in managing your account.

Please call our Member Support team to authorize a third party or verify your account information via conference call.

Each payment plan is a separate loan and cannot be consolidated.

Checking your rate does not affect your credit score as only a soft inquiry is completed to check your eligibility. If you choose to accept your Bread’s loan terms after your Bread pre-approval, we will not perform a hard inquiry with any of the credit reporting agencies.

Once you have taken out a loan, Bread may report repayment information about your loan to the consumer reporting agencies, which may impact your credit score.

Bread Financial™ may report repayment information to consumer reporting agencies

You will not be able to adjust your loan terms after you have accepted them.

To dispute information Bread reported to a credit bureau, you should file a dispute with the credit bureau where you observed the information you believe is inaccurate.

If you have a complaint regarding the retailer’s website or customer service, please contact the retailer directly.

To check on the status of your order, please reach out to the retailer directly.

Unfortunately, not all who apply for financing will receive credit terms. If you are declined, you will receive a notice within 30 days at the email address on file with your financing application that outlines the reason(s) for your denial. Additionally, you won’t be eligible to apply for financing with Bread Pay™ for the next 90 days.

Each payment plan is a separate loan and cannot be consolidated.

Protecting the security and integrity of your credit application is important to us. Sometimes we need additional information to verify your identity. In these cases, we ask for photos of the front and back of an identity document — either your US Driver’s License or US state ID — to verify that you are who you say you are. This helps to protect your application from fraud and helps to comply with regulatory requirements.

We work with our bank affiliate, Comenity Capital Bank, who determines eligibility by reviewing factors such as your credit score and repayment history.

Please contact the credit bureau(s) where you requested a credit freeze to request they lift the freeze. Once lifted, you can return to complete your Bread Pay™ application.

You can use any digital camera or phone that has a camera to take a photo of your US Driver’s License or US State ID. After placing the identity document on a dark, flat surface, check that your document is free from any shadows or glare. When framing the photo, make sure the entire document is visible and that everything is in focus.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.