Initial hiccups, but great experience! UPDATE (01/28/2023): After several months of using Bread, the experience has been great despite the initial hiccups. Would recommend to others UPDATE (11/4/2022): I was able to finally place an order, updated to three stars. Further updates to follow. OP (11/3/2022): Place an order with Nikon using Bread Pay on 10/28/2022 and was informed that the order would update within 24 hours. Called Nikon on Monday, 10/31 to check the status, and they indicated they had not received the order because they were waiting for Bread Pay to send it over as they are a 3rd party and the ordering is different. Contact both Nikon and Bread Pay today, 11/3 and still no order, however a lot of finger pointing between the two companies as to who is responsible for the order. Bread Pay ended up cancelling the order and as a result, I missed out on a sale and had to use a different payment method. If this is the way they operate, I'm sure they're missing out on customers. Neither company addressed the issue, nor did they seem to care either. Take your business elsewhere!

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.

I am very pleased with how simple Bread… I am very pleased with how simple Bread was able to finance my new Scooter and their communication / emails reminding me of up and coming payments. It was also easy in that I was able to have the payments taken directly out of my account. Easiest financing I have every had. Thank you!

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)

Great service Great service, really easy to use, good response times when I had questions and always had secure transactions. I received emailed reminders when auto payment deductions were going to occur. I had no issues with Bread.