Fairly easy to get credit through but… Fairly easy to get credit through but if you’re gonna pay on a $1600 purchase it should be reported to the credit bureau, but they will report it to the credit bureau if you miss a payment

Easy Peasy Easy Peasy Bought a new computer. Set up a 6 month payment plan that was 0% APR. 6 months later the payments are all wrapped up and I didn't have any problems with the entire experience. I can't speak to the interest rates or how their customer service is when you actually need help, but my experience was all smooth sailing.

Bait and Switch Looked into buying some furniture, not super expensive and Bread said to apply for financing. I clicked the link and applied and I received an email stating that it I was pre-approved for up to $2,500. Great, I think, so I go back to shop. I select $1,800 in merchandise & check out. Bread immediately declines me. Ridiculous. (And by the way, I can easily pay cash for the furniture)

Bread a simple way to borrow money. Bread was very easy to setup, monitor, and pay back the money in a seamless process. Each mo the they send email reminders of the payment due date. We were able to pay off our loan a lot faster than the original terms and without any prepayment penalty for early payoff. If needed again, we will definitely use Bread and their services.

It was incredibly easy to apply for… It was incredibly easy to apply for financing for my accuquilt. Not only was the transaction easily done, but setting up payment using a text message link was wonderful. I never needed to create an account only to log in with the phone number used to apply for the loan. 10 out of 10 would use again