Shoppers Help Center

You can use any digital camera or phone that has a camera to take a photo of your US Driver’s License or US State ID. After placing the identity document on a dark, flat surface, check that your document is free from any shadows or glare. When framing the photo, make sure the entire document is visible and that everything is in focus.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.

Bread Financial™ currently offers financing in the U.S. only. At this time, Bread Pay™ financing is not available in U.S. territories.

Paying your loan early will not adjust your monthly installment amount.

You will not receive paper monthly statements. We offer AutoPay, and we’ll send you reminders ahead of every due date. You can also view your payment schedule and account details online in the Bread Financial Member Portal.

Please wait a few minutes before requesting a new mobile verification code. The phone number you provide must be a mobile number that is able to receive text messages.

You are given 5 attempts to validate your mobile number before being blocked for 15 minutes. If you are still not receiving a mobile verification code, we recommend you request a new verification code by selecting ‘Resend code’.

For additional assistance, please contact our Member Support team here.

Comenity Capital Bank, an affiliate of Bread Financial™, is the lender for Bread Pay products.

To dispute information Bread Financial reported to a credit bureau, you should file a dispute with the credit bureau where you observed the information you believe is inaccurate.

If you have a complaint regarding the retailer’s website or customer service, please contact the retailer directly.

You access the Bread Financial Member Portal Home Page to view your current balance.

You can update your email and phone contact information in the Bread Financial Member Portal by navigating to the Account page and selecting the “Edit” link next to your email or phone number.

To update your email and phone number via phone, or to update any other information, please call our Member Support team here.

To ensure the security of your information, we only provide your account information directly to you unless we receive your verbal consent to disclose information to a third party. We can also provide account information to your authorized power of attorney if you need ongoing support in managing your account.

Please call our Member Support team here to authorize a third party or verify your account information via conference call.

Yes, Bread Financial may report repayment information to consumer reporting agencies

Each payment plan is a separate loan and cannot be consolidated.

You will not be able to adjust your loan terms after you have accepted them.