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

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!

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.

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!