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.

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!

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.

Will not be a returning customer. Bread has website ambiguity after purchase, high interest rates, no one to answer phones for questions, dissatisfied and will not return. Made a purchase from one of their sponsored sellers, seller sent junk, didn’t back up product even though warranty was active, paid high interest for a product that I sent to scrapyard. Better business bureau complaint filed. Seller never responded. Why a finance company would do business with such a corrupt company I will never know. Buyer beware with Bread partnership and Veloz Power Sports DBA superiorpowersports.com. Don’t get wrangled in to their web.

My Bread Experience Bread made it possible for me to finance the cost of my Trading Computer. The payment options offered were easy to understand and once my choice was made the monthly payments taken from my account were done exactly on time. I liked the way Bread sent me an early note that the payment was due soon. When I decided to pay it off early that process was very simple and done with just a few strokes on my cell phone. Just an easy company to work with!