Shoppers Help Center

If you don’t submit your payments by your due date, your account will be past due. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date. Paying late may impact your eligibility for Bread® loans in the future and may ultimately affect your credit score, as we may report repayment information to the credit bureaus.

You can update your payment method in Bread’s Member Portal by navigating to the Account page “Payment Information” section and selecting “Connect new account”. If you enrolled in AutoPay, you can also manage your AutoPay settings from Bread’s Member Portal. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date.

To update your payment method or manage your AutoPay settings via phone, please call our Member Support team here.

Paying your loan early will not adjust your installment payment amount. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date.

If you don’t submit your payments by your due date, your account will be past due. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date. Paying late may impact your eligibility for Bread® loans in the future and may ultimately affect your credit score, as we report repayment information to the credit bureaus.

Yes! You can prepay anytime for all or part of your loan. There is never a penalty for paying early. Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date.

You cannot make payments on Bread Installment Loans or a Bread Loan (credit card debt consolidation) via credit card or business debit cards.

Credit cards can be used for payments on your SplitPay payment plan.

Additionally, Bread does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer.

Please note, payments must be received by us 5:00 pm Eastern Time (ET) on your due date.