Financial Solutions That Empower Your Customers

Offer your customers the financial tools that will help them make the most of life. Our full suite of simple, personalized payment and lending solutions gives you more ways to meet your customers' needs and grow your business. 





Why Bread Financial?

We deliver solutions for any budget and life stage. We’ve helped brands like you build lasting customer loyalty and increase sales for more than 30 years. And we do it through tech-forward tools, products, and data-driven customer insights.






Our Products

Since day one, we’ve been the experts at private label credit, tailoring white-label programs for some of the world’s top brands.

Through investments in marketing and technology, our co-brand programs reach your customers at just the right moments, with just the right offer.

Big-ticket, medical provider, and home improvement solutions that will give customers access to simple, real-time personalized financing options, including private label, SplitPay, and Installments.

The techniques may be different, but the goal is the same: to provide business customers with more reasons to purchase, and purchase more often with you.

Installments are an easy and effective Buy Now, Pay Later (BNPL) option that allow your customers to make a purchase now and pay over time in monthly payments.

Bread SplitPay™ is a Buy Now, Pay Later (BNPL) option allowing your customers to split up their purchase into four equal, interest-free payments over six weeks using their credit or debit card.





Innovative Ideas & Industry Insights

Our innovation and technology ensure your customers enjoy greater product options, better capabilities, and a more personal experience. We make it happen by envisioning and developing proprietary products and solutions.


Our Patents



Get an inside look at our latest research, expertise and recent company news

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  • Private label
  • Co-brand
  • Promotional Financing
  • Commercial
  • Installments
  • SplitPay