Shoppers Help Center

You can apply at participating retailers using your mobile phone. When you’re ready, click on the Bread financing button to check your eligibility in seconds.

If you are eligible, you will be presented with sample payment plan options available to you. Simply select a payment plan you would like and once you are done shopping, proceed to the register to complete your purchase and check out with Bread.

Any payments made on your loan will be returned to you less any accrued interest, return shipping fees, or restocking fees.

Any cancellations or refunds issued in excess of your current account balance will result in a customer refund less any applicable accrued interest, restocking fees, or return shipping fees.

This credit will be returned to the account used to make payments on your loan.

For information about the expected shipping timeline of your order, please check directly with the retailer where you made your purchase.

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

If the size of your cart exceeds your loan limit, you may have the option to continue by making a down payment on a credit or debit card.

If your checkout amount does not exceed your available credit limit, the entirety of your checkout amount is included in the payment plan. However, once you’ve taken out a loan, you can prepay at any time without penalty, shortening the duration of your loan. You are not responsible for any interest that has yet to accrue. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date.

We are unable to change or add to an order that has already been placed. To place a second updated order, please contact the retailer directly and request an order cancellation or return.

Once the retailer receives and processes your cancellation or return, a partial or full refund will be automatically applied to your Bread account. Your account status and balance will be adjusted accordingly.

You may still have an outstanding balance after a cancellation has been processed. This balance could consist of restocking fees, return shipping fees, accrued interest, or some combination of these. Please check the retailer’s refund and returns policy to determine if these fees apply to your purchase and return.

If a partial cancellation or return is issued, your account balance will be adjusted to reflect your new remaining balance. If a cancellation or refund is issued in full, any payments made on your Bread account will be returned to you less any applicable accrued interest, restocking fees, or return shipping fees.

Any cancellations or refunds issued in excess of your current account balance will result in a customer credit. This credit will be returned to the account used to make payments on your Bread account.

Unfortunately, not all who apply for financing may 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 for the next 90 days.

You can apply online at participating retailers.

Step 1
Shop Online
Add items to your cart and provide a few pieces of information to begin the checkout process.

Step 2
Select Pay-Over-Time at Checkout

Step 3
Enter a few pieces of information and get a decision quickly without affecting your credit score. Confirm your Bread payment plan.