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.

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.

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!

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.

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