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

Easy as Pie ... er ... Bread I used Bread to purchase new kitchen cabinets. The application process was easy, approval was fast and the payments were seamlessly processed each month with no further effort on my part. I would definitely use Bread again.

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

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 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.