Bread Pay® offers flexible payment options that allow you to pay over time through monthly installments or split your purchase into four interest-free payments. If eligible, you can use Bread Pay at participating retailers for both online and in-store shopping.

• Bread Pay® Installment Loans provide pay-over-time plans with simple, convenient monthly installments. Depending on your credit eligibility and the retailer, terms may range from 3 to 120 months, with APRs between 0.00% and 34.99%.
• Bread Pay® SplitPay is a payment option that lets you divide your purchase into four interest-free payments, made every two weeks. If eligible, you can use SplitPay for purchases between $50 and $1,500 (retailer limits may apply).

Both Bread Pay Installment Loans and SplitPay make it easy to shop online or in-store with payment plans designed to suit your needs.

To file a dispute, you can contact the credit bureau directly or submit your dispute in writing to:

    C/O Bread Financial
    PO Box 182508
    Columbus OH 43218

Keep in mind, we don't accept disputes over the phone or via email.

A confirmation email was sent on the date of your purchase. You can search for the confirmation email we sent to the email address you used to apply for a Bread Pay® plan. We suggest that you search using the retailer’s name or for the phrases “thank you for paying with Bread” or “thank you for paying over time with.”

Upon locating the email, either follow the link to the Bread Financial™ Member Portal or select the Set Up AutoPay button. (You will not be required to set up AutoPay.)

If you cannot find the email with these searches, please contact our Member Support team.

Bread Pay® Installment Loans are flexible monthly payment plans that can be used for online and in-store purchases with participating retailers. Terms range from 3 to 120 months, with APRs from 0.00% to 34.99%, depending on your credit eligibility.

There are no origination fees or prepayment penalties, however, late payment fees may apply based on your loan terms. Be sure to review your loan agreement for more information.

If you’re a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply — provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.

Bread Pay® products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.

We recommend using the camera on your mobile device to take a photo of your valid U.S. government-issued driver’s license, state ID, passport or passport card. Please note that non-U.S. IDs and expired IDs aren’t accepted.

If you intend to upload the image through your mobile device, you can take the photo of your Identification using that device's camera. If you’re using a desktop computer, we recommend you take the photo using a mobile device, and then upload the image to your computer.

• Place your ID on a dark, non-reflective surface.
• Be sure the ID barcode is clearly visible in the photo, without blurriness or glare spots.
• Both the front and back of ID may need to be uploaded.

Once your photo has been uploaded and your identity is verified, you can return to checkout and place your order with Bread Pay®.

Your annual percentage rate (APR) is the cost of credit as a yearly rate. You may have been offered an APR that ranges from 0.00% and 34.99%, depending on your creditworthiness. During the application process for a Bread Pay® Installment Loan, your APR can be found in the Truth In Lending Disclosure attachment. Once your loan is initiated, you can also review your loan’s APR in the Bread Financial™ Member Portal.

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

You can make payments on your Bread Pay® Installment Loan via ACH electronic transfer from your bank account or with a personal debit card. We’re unable to accept payments made with credit cards, business debit cards, bill pay services or mail-in checks. Additionally, Flexible Spending Account (FSA) and Health Savings Account (HSA) payment cards can’t be used, as we’re not a health service retailer.

Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.

Your first payment will be due approximately 30 days from the date the retailer settles your order. We'll send you an email once your loan starts that includes your monthly payment date and monthly payment amount. You can review your payment schedule online in the Bread Financial™ Member Portal.

Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.

You can make a payment online in the Bread Financial™ Member Portal. Navigate to your homepage and select Make a Payment. You can also make a payment by contacting our Member Support team.

Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.

If your payment isn't submitted on time, your loan will be past due and may be subject to a late payment fee. Please review your loan agreement for more information. All payments must be received by 11:59 p.m. Eastern Time (ET) on your due date to avoid falling behind.

Repeated late payments may impact your eligibility to use Bread Pay® Installment Loans for future purchases.

Yes, you can make early payments online in the Bread Financial™ Member Portal. Simply go to your homepage and select Make a Payment. There are no penalties or fees for paying early. Prepayments are applied to your next monthly payment, and any remaining amount will be applied to your principal balance. Alternatively, you can also make an early payment by reaching out to our Member Support team.

Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.

We are sorry to hear that your order arrived damaged. Since Bread Financial™ is a third-party in your purchase, we recommend that you reach out to the retailer directly about merchandise issues. Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your loan, which will reduce your balance.

If the retailer doesn’t respond  to your communication, or acts outside of their listed policy, please contact our Member Support team. 

Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your query, or acts outside of their listed return or cancellation policy, contact our Member Support team.

• Evidence of your correspondence with the retailer showing how you attempted to resolve the issue
• The amount being disputed
• A description of the items disputed and nature of the dispute
• Picture evidence if the order dispute is due to incorrect or damaged products

If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. If you checked out in-store with a Bread Pay® virtual card, it may take up to 120 days to reach a resolution.

All order disputes must be initiated within 30 days of your loan origination date.

Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer should be credited to your loan, which will reduce your balance.

If an order cancellation or refund is issued for more than your current loan balance, you’ll receive a credit to the default payment method on file.

It may take 7 to 10 business days after the order cancellation or refund is processed for the credit to appear in your bank account.

If a partial refund is issued for more than your current loan balance, you’ll receive a credit to the default payment method on file within 7 to 10 business days.  

If a partial refund is less than your current loan balance, you’ll receive a credit towards your balance within 7 to 10 business days. Your scheduled monthly installment amount won’t change with the exception of the last one. The number of remaining payments due may also decrease.

To cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your loan status and balance will be adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest, restocking fees, or return shipping fees. Please check the retailer’s cancellation/refund policy to determine if these fees apply to your order.

Any refunds issued for more than your current loan balance will result in a credit being issued to the default payment method on file. The credit may take 7 to 10 business days from the date the order cancellation is processed to appear on your bank account.

Please refer to the most recent email we sent containing your loan information. Upon locating the email, follow the link to the Bread Financial™ Member Portal. This will direct you to the correct login page.

If you cannot find the email with your loan information, please contact our Member Support team.

Loan documents can be found in the Member Portal under your Loans Payment Plan Details tab. You will find your Personal Loan Agreement and Truth in Lending Disclosure there.

If your loan was recently moved to this Member Portal, please contact our Member Support team.

With Bread Pay® SplitPay, you can split your purchase into four easy, interest-free payments. Whether you're shopping online or in-store at participating retailers, SplitPay makes it simple to pay over time for purchases ranging from $50 to $1,500 (retailer limits may apply).

Your first payment is due at checkout, with the remaining three payments automatically processed every two weeks until your balance is paid in full. There are no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.

You’re eligible to apply for Bread Pay® SplitPay if you:

• Are a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract).
• Have a valid mobile number (not prepaid) and email address.
• Own a debit or credit card with the funds to cover the first two payment amounts.

Bread Pay SplitPay availability:

• Bread Pay products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S. as well as within some U.S. territories and Caribbean countries.

 Also, please note that first-time customers only will need to pay off their initial Bread Pay SplitPay plan before they can use Bread Pay SplitPay to make another purchase.

When you check out with Bread Pay® SplitPay, a temporary authorization hold may be placed on your debit or credit card for the second payment. Depending on your financial institution, this hold could remain on your card for up to seven days.

If you have any questions about this authorization hold, please contact your financial institution.

Your first payment is due during checkout. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

We'll send a payment reminder email 10 days before your due date and another email 3 days before the funds are removed from your account.

For Bread Pay® SplitPay purchases, you can make payments using your personal debit or credit card. We're unable to accept payments via ACH, bank transfers or prepaid debit cards at this time.

Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.

If your payment fails, we’ll send you an email with instructions on how to resubmit it. If your payment isn’t completed, the overdue amount will be automatically added to your next scheduled payment. Please note that a late payment fee may apply based on your loan terms. Be sure to review your loan agreement for more information.

All payments must be received by 11:59 p.m. Eastern Time (ET) on your due date to avoid falling behind. Repeated late payments may impact your eligibility to use SplitPay for future purchases.

After the retailer processes your return, a partial or full refund is automatically applied to your Bread Pay® SplitPay plan.

For partial refunds, we’ll deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.

After the retailer processes your return, a partial refund will be issued on your transaction and your Bread Pay® SplitPay balance will decrease accordingly. Any remaining installments will be adjusted, starting with your last installment and moving backward.

For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you’ve already made these payments, we would refund the appropriate amounts.

Any payment refunds will be credited to your default payment method.

Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your communications, or acts outside of their listed return or cancellation policy, contact our Member Support team.

• Evidence of your correspondence with the retailer showing that you attempted to resolve the issue
• The amount being disputed
• A description of the items disputed and the nature of the order dispute
• Picture evidence if the order dispute is due to incorrect or damaged merchandise

If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. All order disputes must be initiated within 120 days of your SplitPay order origination date.

Please note that payments are still due until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your loan, which will reduce your balance.

You can apply for monthly financing, powered by Bread Financial™ through the website of select Sezzle® retail partners. When you're ready to purchase, select Sezzle® at checkout, enter your information, and choose Monthly Payments as your payment schedule.

If you’re eligible, you’ll be presented with sample payment plan options available to you. Simply select a payment plan you’d like, and once you’re done shopping, proceed to checkout to complete your purchase and check out with Bread Pay®.

To change, cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your loan status and balance will be adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest. Please check the retailer’s cancellation/refund policy to learn more.

Any refunds issued in excess of your current loan balance will result in a credit being issued to the original payment method used. The credit may take 7 to10 business days from the date the order cancellation is processed to appear in your bank account.

We’re sorry to hear your order arrived damaged. As Bread Financial™ serves as a third-party financing provider for your purchase, we recommend contacting the retailer directly to address any issues with your order.

A damage report with the retailer takes time to resolve, so while your situation is being worked on, please be sure to continue timely payments on your loan. All payments must be received by 11:59 p.m. Eastern Time (ET) on your due date. Any refunds from the retailer will be credited to your loan, which will reduce your balance.

If the retailer doesn’t respond to your communications, or acts outside of their listed policy, please contact Sezzle® Shopper Support.

For questions about your order, such as product details, delivery status, cancellations or returns, please contact the retailer directly. If the retailer doesn’t respond or acts outside of their return or cancellation policy, you can request assistance through your online Sezzle® dashboard. Once your help request is submitted, the Sezzle® team will review your case and provide an update with next steps within 2 to 3 business days.

Please note that you’re required to continue making payments on your Bread Pay® loan as your dispute is in progress. To avoid falling behind, ensure payments are received by 11:59 p.m. Eastern Time (ET) on your due date.

For more information, please contact Sezzle® Shopper Support or review their order dispute policy.

A Bread Pay® one-time use card is a virtual card that can be used to shop in-store with any of our participating retail partners.

Once you’ve been approved for a Bread Pay® Installment Loan or Bread Pay® SplitPay plan, you can have the loan amount loaded onto your virtual card to pay for your purchase. Your virtual card can only be used once and is valid for seven days after your application is submitted.

To generate a virtual card in-store, scan our QR code, which you can find throughout the retailer’s store or at the register. Once you're ready to check out, just add your virtual card to your digital wallet, and then tap-to-pay with your mobile phone at the register.

Most retailers who accept contactless payments will accept a Bread Pay virtual card. If the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate to complete your purchase. 

Bread Pay® Installment Loans are flexible monthly payment plans that can be used for online and in-store purchases with participating retailers. Terms range from 3 to 120 months, with APRs from 0.00% to 34.99%, depending on your credit eligibility.

There are no origination fees or prepayment penalties, however, late payment fees may apply based on your loan terms. Be sure to review your loan agreement for more information.

With Bread Pay® SplitPay, you can split your purchase into four easy, interest-free payments. Whether you're shopping online or in-store at participating retailers, SplitPay makes it simple to pay over time for purchases ranging from $50 to $1,500 (retailer limits may apply).

Your first payment is due at checkout, with the remaining three payments automatically processed every two weeks until your balance is paid in full. There are no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.

If you’re a U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply— provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.

Bread Pay® products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.

If the retailer accepts contactless payments, you'll be prompted to add your virtual card to your digital wallet. On the Add Card to Wallet screen, select the wallet for your device, either Apple Wallet or Google Pay. After successfully adding the card to your wallet, your card is ready to use. Please remember to select your Bread Pay® virtual card as your payment method at the register.

Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.

If you’re having trouble locating your virtual card, first you’ll want to check your digital wallet on your mobile phone to see if the card has been successfully added. If you still can’t find it, go to your Bread Pay® application to try readding the card to your digital wallet or access your card details.

When adding your virtual card to your mobile device, please be sure to use an Apple or Google device with the latest version of iOS/Android. Inactive or out-of-date devices that are selected in push-provisioning could delay adding your card to your digital wallet.

If you’re having trouble adding your virtual card to your digital wallet, please visit Apple Pay Support or Google Pay Support.

Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.

Yes, you can make returns that are subject to the retailer's return policy.

When making a return, if your virtual card is still in your digital wallet, you'll be prompted to tap it at the register to process your refund.

If your virtual card is no longer in your digital wallet, you can access your card details in the Bread Financial™ Member Portal or by contacting our Member Support team.

Once you’re ready to pay for your in-store purchase, use your mobile phone to scan our QR code which you can find at the register or throughout the store. Then, you’ll be routed to apply for a Bread Pay® plan.

When applying, you'll also receive a confirmation code to use at the register. This code is only valid at the retailer’s physical location and will expire within 12 hours. You'll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected Bread Pay plan.

Bread Pay® Installment Loans are flexible monthly payment plans that can be used for online and in-store purchases with participating retailers. Terms range from 3 to 120 months, with APRs from 0.00% to 34.99%, depending on your credit eligibility.

There are no origination fees or prepayment penalties, however, late payment fees may apply based on your loan terms. Be sure to review your loan agreement for more information.

With Bread Pay® SplitPay, you can split your purchase into four easy, interest-free payments. Whether you're shopping online or in-store at participating retailers, SplitPay makes it simple to pay over time for purchases ranging from $50 to $1,500 (retailer limits may apply).

Your first payment is due at checkout, with the remaining three payments automatically processed every two weeks until your balance is paid in full. There are no origination fees or prepayment penalties. Late payment fees may apply based on your loan terms. Please review your loan agreement for more information.

You can make payments on your Bread Pay® Installment Loan via ACH electronic transfer from your bank account or with a personal debit card. We’re unable to accept payments made with credit cards, business debit cards, bill pay services or mail-in checks. Additionally, Flexible Spending Account (FSA) and Health Savings Account (HSA) payment cards can’t be used, as we’re not a health service retailer.

For Bread Pay® SplitPay, you can make payments using your personal debit or credit card. We’re unable to accept payments via ACH, bank transfers or prepaid debit cards for SplitPay at this time.

Please note that your loan may be subject to a late payment fee if your payment isn't received by 11:59 p.m. Eastern Time (ET) on your due date. Be sure to review your loan agreement for more information.

A FlexLoan is a simple and flexible payment plan that helps you pay for multiple purchases over time. Once approved, you can use your FlexLoan to shop for up to six months or until you reach your credit limit.

FlexLoan terms range from 60 to 120 months, with APRs from 0% to 9.99%, depending on your credit profile.

To apply for a FlexLoan, you must be a legal U.S. resident, meet your state's legal age requirement for entering into contracts, and have the following: a valid U.S. government-issued photo ID, a U.S.-based phone number, and an email address. You may also need a mobile device compatible with a digital wallet.

To check your eligibility, we’ll need to verify your identity using the information provided in your loan application. This won’t impact your credit score.

Your FlexLoan funds, accessible through a virtual card, can be used for multiple purchases over a six-month period or until you reach your credit limit.

Your virtual card can be used for both online and in-store purchases.

You can use your virtual card for multiple purchases during the six-month spending window, as long as you stay within your approved credit limit and meet the minimum purchase requirement. You can find purchase requirements in your Loan Agreement on the welcome page.

Keep in mind, your virtual card needs to be used for at least one purchase within 30 days of approval, or your loan will be cancelled.

No, your credit limit, or eligible amount, is set once your application has been approved and is available only for a six-month period.

Paying down your balance reduces what you owe and makes those funds available to spend again. If you make a return or a transaction is cancelled, those funds will also become available for use again. You can check your available credit anytime in the Member Portal.