Bread gave me an alternative for making… Bread gave me an alternative for making my purchasing. Paying over time allowed me to manage my cash flow more easily rather than paying the cash price at the time of purchase. I live on a fixed income and this alternative gave me the means to make my purchase and budget payment over time.

Applying for and receiving bread loans… Applying for and receiving bread loans for purchases was easy and simple. I found customer service over the phone to be very cordial and helpful. Checking my credit was done through the soft method and caused no problems for my overall credit rating. My credit rating is actually better at the moment because of the policies of companies like bread loans.

no muss no fuss no bother. Sweet. I received the loan during the money spending season (Christmas) and knew I was going overboard. The loan came through immediately, within an hour of the request. I got a timely reminder (thank you) for the first and second payments and was able to pay off the balance with the second payment. No muss, no fuss, no bother and I am deeply appreciative.

Bread Rocks! Bread gave me what I have always wanted...a way to afford more expensive items by paying over time, despite my limited credit. I have a futon that is made by Furniture of America, that cost $600, and I expected that was made in America...no. Only issue I have had and that is more a merchant communication/disclosure issue than anything Bread did. They extended me substantial credit, I have improved my home and my kids have a better life as a result. Couldn't be happier. For those wondering: Bread does a really good job of being upfront about all your costs. If you pay the number of payments in the amount you agree to pay, your item will be fully paid off. The amount of interest is virtually negligible compared to other deferred payment or finance companies. I have enjoyed using Bread and checking out their expanding list of merchants. I've had nothing less than a great experience.

Easy to apply and obtain interest free… Easy to apply and obtain interest free financing for my purchase. Way better than credit card snd effortless repayment to make sure I kept yo the plan and avoid interest Absolutely recommend and will use next time I need to make a large purchase if available