Shoppers Help Center
– Bread Pay™ Installment Loans, your first payment will be due no fewer than 30 days from the date the retailer settles your transaction.
– Bread Loans™ (Debt Consolidation), your first payment is due no fewer than 30 days after all your approved debt consolidation transfers are complete.
– Bread Pay™ SplitPay your first payment is taken at checkout and the next three payments will be taken out automatically every 2 weeks over the next 6 weeks.
We’ll send you a message once your loan starts that includes your monthly payment date and monthly payment amount.
You can also view your payment schedule in the Bread Financial Member Portal.
If you don’t submit your payments by your due date, your account will be past due. Paying late may impact your eligibility for Bread Pay™ loans in the future and may ultimately affect your credit score, as we report repayment information to the credit bureaus.
You can update your payment method in the Bread Financial 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 the Bread Financial Member Portal.
To update your payment method or manage your AutoPay settings via phone, please call our Member Support team here.
You can enroll in AutoPay from the Bread Financial Member Portal Home Page by selecting “Enroll in AutoPay”.
To enroll in AutoPay via phone, please call our Member Support team here.
If you check out with SplitPay, you will enroll in AutoPay at the time of checkout.
Once you are enrolled in AutoPay, you can manage your AutoPay settings in the Bread Financial Member Portal.
You cannot make payments on your Bread Pay™ Installment Loan or Bread Loans™ (credit card debt consolidation) with a credit card or business debit card.
Credit cards may be used for payments on your Bread Pay™ SplitPay payment plan.
Additionally, Bread Financial™ does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer.
Yes, you can make payments in the Bread Financial Member Portal on the Home Page by selecting “Make a Payment”. There is never a penalty for paying early.
To make a payment via phone, please call our Member Support team here.
Any prepayments will go directly towards your next installment payment. Once the next installment payment is covered, any excess amount is applied to your principal balance.