Discover our Personal Loan options


From consolidating debt to covering major expenses, Bread Loans™ can help with financial needs.

Available to those who've received an offer to apply.¹

Rates and terms

Loans up to


Fixed rates as low as

6.99% APR¹


24 to 60 months¹

No application or origination fees


Applying won’t affect your credit score.

Benefits of a Bread Loan™

A personal loan can make managing both unexpected and planned expenses simpler. You could also use a loan to consolidate credit card debt into a single payment.

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No application or origination fees

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No prepayment fees

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Decisions in seconds

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Fixed rates as low as 6.99% APR¹

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A fixed-rate loan could help free you from high-interest debt!

How it works

Step 1

Provide your info.


Share some basic information about yourself. Providing it will not affect your credit score.

Step 2

Explore loan options.


Find out how much you’re approved for and what your monthly payment could be.

Step 3

Review and accept.


Finalize the loan details that fit your finances. Then, review and accept the loan agreement.

Frequently asked questions

Thank you for your interest in taking out a Bread Loan. We’re currently only accepting applications from those who have received an invitation to apply. We may send invitations to former and current Bread Pay™ or Comenity customers.

We offer Bread Loans that could cover up to $35,000 in total credit card debt and up to 5 eligible credit card balances.


However, there are eligibility requirements to be approved for a credit card debt consolidation loan. When you apply, you’ll learn the maximum loan amount you’re approved for.

You could get our decision right after submitting the application. But in some cases, we’ll need several days to review the details you provided before letting you know our decision.


When you apply for a Bread Loan, you’ll enter your information into a secure, online form. Whether you are approved for the loan or not, we won’t share this information outside of Bread Financial.

You can make payments on your Bread Loan using your personal debit card or bank account. You cannot make a Bread Loan payment with a credit card, check, business debit card or through a bill payment service.


We will be sending out monthly payment reminders that include the due date and payment amount. Your first payment will be due approximately one month after your loan starts. Already a customer? You can log in.

Bread Loans are offered in terms of 24, 36, 48, or 60 months. The amount of time you have to pay off your Bread Loan will be based on the loan term length you select and agree to when finalizing your loan.

We offer interest rates that range from 6.99% to 17.49% APR. Interest rates are determined based on your individual creditworthiness. When you apply, we’ll let you know the Bread Loan rates you’re eligible for.

We will perform a soft credit inquiry to determine your eligibility for a Bread Loan, which will not impact your credit score. There is no hard credit check during the application process and accepting the terms of a Bread Loan.


After taking out a Bread Loan, we may report repayment information about your account to the consumer reporting agencies, which may affect your credit score.

You will not be charged a fee for paying off a Bread Loan before the end of your loan term.

There are no application fees with a Bread Loan. We also do not charge an origination fee for processing your new loan.

We appreciate you making on-time payments. However, you should refer to your loan agreement to understand fees associated with your loan.

You can use phone or email to contact our support team. You can also find answers to common questions in our Help Center.

Still have questions?

¹Subject to credit approval. Rates range from 6.99% to 17.49% APR. Bread Loans™ are offered only in 24, 36, 48, or 60 month terms. Minimum loan amount is $1,500 and maximum loan amount is $35,000. APRs will vary depending on credit qualifications, loan amount and term. You may only have one Bread Loans™ personal loan. We are unable to consolidate balances from Comenity Bank or Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check, or non-U.S. creditor accounts.


Refer to the Bread Pay™ and Bread Loans™ Terms of Use for additional terms and conditions.