Shoppers Help Center

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 you are missing part or all of your order, or have received damaged merchandise in your order, please contact the retailer directly.

To request an order return or an order cancellation, please contact the retailer where you made your purchase directly.

All order returns are subject to the retailer’s return and cancellation policies. Once the retailer issues your order return, a partial or full order refund is automatically applied to your Bread Pay™ account. Your account status and balance are adjusted accordingly.

You may still have an outstanding balance on your Bread Pay account after an order refund has been processed. This balance could consist of restocking fees, accrued interest, return shipping fees, or a combination of these.

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

Any order cancellations or order refunds issued in excess of your current Bread Pay account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your account in 7-10 business days from the date the order cancellation or order refund is processed.

To cancel your order, please contact the retailer where you made your purchase directly.

All order cancellations are subject to the retailer’s return and cancellation policies. If the retailer issues an order cancellation, your Bread Pay™ account status and balance will be adjusted accordingly.

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

Any order cancellations issued in excess of your current Bread Pay account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order cancellation is processed to appear in your account.

Please contact the retailer about your damaged merchandise. You are required to make payments on your Bread Pay™ account until the balance is paid or credited in full. Any refunds from the retailer will be credited to your account, which will reduce the amount you owe.

If the retailer is unresponsive to your query, or acts outside of their listed policy, please contact our team to see if we can assist.

Please contact the retailer directly regarding the products ordered, the delivery of your items, a requested cancellation or return, or any other questions about the status of your order. If the retailer is unresponsive to your query, or acts outside of their listed return or cancellation policy, please contact our Member Support team. Depending on the retailer you purchased from, Bread Financial™ may or may not be able to raise an order dispute on your behalf with the retailer. If we are able to open a formal order dispute, we require the following to initiate your order dispute:

1. Evidence of your correspondence with the retailer that you attempted to resolve the order dispute
2. The amount being disputed
3. A description of the nature of the order dispute, including the items disputed
4. If the order dispute is due to incorrect or damaged products, we also require picture evidence of this

If we open an order dispute with the retailer, that order dispute can take up to 90 days to reach a resolution and must be initiated within 30 days of your checkout for Bread Pay™ SplitPay, or within 120 days of your loan origination.

You are required to make payments on your Bread Pay account until the retailer resolves your query or our team resolves an order dispute in your favor.

If a partial refund is issued to your order, the refund will be applied to the outstanding balance on your Bread Pay™ account. Your account payments will not change; however the number of payments to pay off your Bread Pay account may be shortened and the total interest paid may decrease. Any order refunds issued in excess of your current account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order refund is processed to appear on your account.

Once the retailer receives and processes your order cancellation or order return, a partial or full order refund is automatically applied to your Bread Pay™ account. Your account status and balance are adjusted accordingly.

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

Any order cancellations or order refunds issued in excess of your current Bread Pay account balance will result in an outbound customer credit being issued to the original payment method used. The credit may take 7-10 business days from the date the order cancellation or refund is processed to appear on your account.

If your requested order cancellation or order return is not reflected on your account, please contact the retailer directly to check on the status of your order request.

If you are still are having difficulty after contacting the retailer, please contact our Member Support team. Please note that if we open an order dispute with the retailer, that order dispute can take up to 90 days to reach a resolution and must be initiated within 30 days of your checkout for Bread Pay SplitPay, or within 120 days of your checkout with a Bread Pay Installment Loan.

If your requested order cancellation or order refund is not reflected on your Bread Pay ™ account, please contact the retailer directly to check on the status of your request.

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 Pay™ payment plan.