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.

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.

I was able to finance the purchase of a… I was able to finance the purchase of a tankless waterheater for a friend who lives in the mountains and did so within just a few minutes. The 12 monthly payments were very low and at a very affordable interest rate. Bread made it possible to get my friend hotwater in her cabin, which she'd lacked for two years. Thanks 🍞 Bread. Wish you'd finance my new truck.😄

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)

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