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Bread Pay™ is a financing solution that helps you make online and in-store purchases with easy, pay-over-time payments. Bread Pay products include Bread Pay™ Installment Loans and Bread Pay™ SplitPay loans.

Bread Pay™ Installment Loans are monthly financing plans offering terms ranging from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility, credit quality, and options offered by our retail partners.

For smaller purchases, you may be eligible for our Bread Pay™ SplitPay loan which splits your purchase into four interest-free payments made every two weeks.

With Bread Pay, there are no origination fees or prepayment penalties.

A confirmation email was sent on the date of your purchase. You can search for the confirmation email we sent to the email address you used to apply for a Bread Pay™ plan. We suggest that you search using the retailer’s name or for the phrases “thank you for paying with Bread” or “thank you for paying over time with.”

Upon locating the email, either follow the link to the Bread Financial™ Member Portal or select the Set Up AutoPay button. (You will not be required to set up AutoPay.)

If you cannot find the email with these searches, please contact our Member Support team.

A Bread Pay™ Installment Loan helps you make online or in-store purchases with participating retailers with repayment options that fit your budget.

Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your credit qualifications.

Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.  

If you’re a legal U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply — provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.

Bread Pay™ products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.

We recommend using the camera on your mobile device to take a photo of your U.S. driver’s license or state ID. Please note, passports, passport cards, non-U.S. IDs and expired IDs are not accepted.

If you intend to upload the image through your mobile device, you can take the photo of your license or ID card using that device's camera. If you’re using a desktop computer, we recommend you take the photo using a mobile device, and then upload the image to your computer.

• Place your ID on a dark, non-reflective surface.
• Be sure the ID barcode is clearly visible in the photo, without blurriness or glare spots.
• Both the front and back of ID will need to be uploaded. 
• Your photo needs to be uploaded in PNG or JPG file format that’s 10MB or less.

Once your photo has been uploaded and your identity is verified, you can return to checkout and place your order with Bread Pay™.

The annual percentage rate or APR is the cost of credit as a yearly rate. You may have been offered an APR that ranges from 0% to 29.99%, depending on your creditworthiness. During the application process for a Bread Pay™ Installment Loan, your APR is shown in the Truth In Lending Disclosure attachment. Once your loan is initiated, you can also review your loan’s APR in the Bread Financial™ Member Portal.

Our bank affiliate, Comenity Capital Bank, determines your APR based on a variety of factors. These include your credit history and credit score, the amount financed, and length of your loan term.

Your first payment will be due approximately 30 days from the date the retailer settles your order. We'll send you an email once your loan starts that includes your monthly payment date and monthly payment amount. You can view your payment schedule online in the Bread Financial™ Member Portal.

Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

You can make a payment online in the Bread Financial™ Member Portal. Navigate to your homepage and select Make a Payment. You can also make a payment by contacting our Member Support team.

Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

Yes, you can pay early online in the Bread Financial™ Member Portal. Navigate to your homepage and select Make a Payment. There are never penalties or fees for paying early. Any prepayments will go directly towards your next installment payment. Once the next installment payment is covered, any excess amount is applied to your principal balance. You can also make a payment early by contacting our Member Support team.

Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

We are sorry to hear that your order arrived damaged. Since Bread Financial™ is a third-party in your purchase, we recommend that you reach out to the retailer directly about merchandise issues. Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your account, which will reduce your balance.

If the retailer doesn’t respond  to your communication, or acts outside of their listed policy, please contact our Member Support team. 

Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your query, or acts outside of their listed return or cancellation policy, contact our Member Support team.

• Evidence of your correspondence with the retailer showing how you attempted to resolve the issue
• The amount being disputed
• A description of the items disputed and nature of the dispute
• Picture evidence if the order dispute is due to incorrect or damaged products

If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. If you checked out in-store with a Bread Pay™ virtual card, it may take up to 120 days to reach a resolution.

All order disputes must be initiated within 30 days of your loan origination date.

Please note that payments are still due on your loan until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer should be credited to your account, which will reduce your balance

If an order cancellation or refund is issued for more than your current account balance, you’ll receive a credit to the default payment method on file.

It may take 7 to 10 business days after the order cancellation or refund is processed for the credit to appear in your bank account.

If a partial refund is issued for more than your current account balance, you’ll receive a credit to the default payment method on file within 7 to 10 business days.  

If a partial refund is less than your current account balance, you’ll receive a credit towards your balance within 7 to 10 business days. Your scheduled monthly installment amount won’t change with the exception of the last one. The number of remaining payments due may also decrease.

To cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your account status and balance will be adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest, restocking fees, or return shipping fees. Please check the retailer’s cancellation/refund policy to determine if these fees apply to your order.

Any refunds issued for more than your current account balance will result in a credit being issued to the default payment method on file. The credit may take 7 to 10 business days from the date the order cancellation is processed to appear on your bank account.

Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.

Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

With Bread Pay SplitPay, there are no late fees or prepayment penalties.

You can apply to use Bread Pay™ SplitPay to pay for your purchase online or in store with any of our participating retailers. During checkout, simply select Bread Pay™ as your payment method to check your eligibility and choose a payment plan that works for you.

With Bread Pay SplitPay, there are no late fees, origination fees, or prepayment penalties.

When you check out with Bread Pay™ SplitPay, a temporary authorization hold may be placed on your debit or credit card for the second payment. Depending on your financial institution, this hold could remain on your card for up to seven days.

If you have any questions about this authorization hold, please contact your financial institution.

Your first payment is due during checkout. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

We'll send a payment reminder email 10 days before your due date and another email 3 days before the funds are removed from your account.

You can pay with your personal debit card or credit card for all Bread Pay™ SplitPay purchases. We can’t accept payments through ACH, bank transfer, or prepaid debit cards at this time.

Payments must be received by 5:00 p.m. Eastern Time (ET) on your due date.

If your automatic payment fails on your due date, we’ll charge your payment method again the next day for the amount owed. If this first retry fails, we’ll add the original payment amount to your next scheduled payment. We’ll continue to retry your payment method until the last payment.

If your payments continue to fail and your Bread Pay™ SplitPay account remains delinquent, you may no longer be eligible to use Bread Pay SplitPay for future purchases. This may also affect your credit since Bread Financial reserves the right to report to the credit bureaus in the future.

After the retailer processes your return, a partial or full refund is automatically applied to your Bread Pay™ SplitPay plan.

For partial refunds, we’ll deduct the amount from your last scheduled payment first. For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you have already made these payments, we would refund the appropriate amounts.

After the retailer processes your return, a partial refund will be issued on your transaction and your Bread Pay™ SplitPay balance will decrease accordingly. Any remaining installments will be adjusted, starting with your last installment and moving backward.

For example, if you made a purchase of $1,000 and returned $500, we would cancel your last two Bread Pay SplitPay payments of $250 each. If you’ve already made these payments, we would refund the appropriate amounts.

Any payment refunds will be credited to your default payment method.

Please contact the retailer directly regarding merchandise issues, order delivery, cancellation and return requests, or any other questions about the status of your order. If the retailer doesn’t respond to your communications, or acts outside of their listed return or cancellation policy, contact our Member Support team.

• Evidence of your correspondence with the retailer showing that you attempted to resolve the issue
• The amount being disputed
• A description of the items disputed and the nature of the order dispute
• Picture evidence if the order dispute is due to incorrect or damaged merchandise

If we open an order dispute with the retailer, it may take up to 90 days to reach a resolution. All order disputes must be initiated within 120 days of your SplitPay order origination date.

Please note that payments are still due until your balance is paid off or refunded in full by the retailer. Any refunds from the retailer will be credited to your account, which will reduce your balance.

You can apply for monthly financing, powered by Bread Financial™ through the website of select Sezzle® retail partners. When you're ready to purchase, select Sezzle® at checkout, enter your information, and choose Monthly Payments as your payment schedule.

If you’re eligible, you’ll be presented with sample payment plan options available to you. Simply select a payment plan you’d like, and once you’re done shopping, proceed to checkout to complete your purchase and check out with Bread Pay™.

To change, cancel or return your order, please contact the retailer directly. All order cancellations and returns are subject to the retailer's policies. If the retailer issues a refund, your account status and balance will be adjusted accordingly.

You may still have an outstanding balance after a refund has been processed. If so, this balance may consist of accrued interest. Please check the retailer’s cancellation/refund policy to learn more.

Any refunds issued in excess of your current account balance will result in a credit being issued to the original payment method used. The credit may take 7 to10 business days from the date the order cancellation is processed to appear in your bank account.

We’re sorry that your order arrived damaged. Since Bread Financial™ is a third-party that’s financing your purchase, we recommend you reach out to the retailer directly about merchandise issues.

A damage report with the retailer takes time to resolve, so while your situation is being worked on, please be sure to continue timely payments on your loan. All payments must be received by 5:00 pm Eastern Time (ET) on your due date. Any refunds from the retailer will be credited to your account, which will reduce your balance.

If the retailer doesn’t respond to your communications, or acts outside of their listed policy, please contact Sezzle® Shopper Support.

• Log in to your Sezzle® dashboard using a web browser.
• Go to your Orders tab and select  View Order next to the order in question.
• Select Get Help with this Order on the bottom of the page.
• Follow the prompts in the form that appears and select Open.

Once the Sezzle® team receives this form, they will evaluate your situation and update you with the next steps within 2 to 3 business days.

You’re required to make payments on your Bread Pay™ account until the retailer resolves your issue or Sezzle® resolves an order dispute in your favor. Please note, payments must be received by 5:00 pm Eastern Time (ET) on your due date.

For more information, please review Sezzle’s® order dispute policy or contact Sezzle® Shopper Support.

A Bread Pay™ one-time use card is a virtual card that can be used to shop in-store with any of our participating retail partners.

Once you’ve been approved for a Bread Pay™ Installment Loan or Bread Pay™ SplitPay plan, you can have the loan amount loaded onto your virtual card to pay for your purchase. Your virtual card can only be used once and is valid for seven days after your application is submitted.

To generate a virtual card in-store, scan our QR code, which you can find throughout the retailer’s store or at the register. Once you're ready to check out, just add your virtual card to your digital wallet, and then tap-to-pay with your mobile phone at the register.

Most retailers who accept contactless payments will accept a Bread Pay virtual card. If the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate to complete your purchase. 

A Bread Pay™ Installment Loan helps you make online or in-store purchases at participating retailers with repayment options that fit your budget. Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility.

Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.  

Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.

Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

With Bread Pay SplitPay, there are no late fees or prepayment penalties.

If you’re a U.S. resident who meets your state’s age of majority (the age that your state of residence defines as required to legally enter into a contract), you’re eligible to apply— provided your creditworthiness and identity can be verified. You must also have a valid mobile number and email address.

Bread Pay™ products are available to U.S. citizens who are residing in the United States. They are offered through participating retailers located within the U.S., as well as within some U.S. territories and Caribbean countries.

If the retailer accepts contactless payments, you'll be prompted to add your virtual card to your digital wallet. On the Add Card to Wallet screen, select the wallet for your device, either Apple Wallet or Google Pay. After successfully adding the card to your wallet, your card is ready to use. Please remember to select your Bread Pay™ virtual card as your payment method at the register.

Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.

If you’re having trouble locating your virtual card, first you’ll want to check your digital wallet on your mobile phone to see if the card has been successfully added. If you still can’t find it, go to your Bread Pay™ application to try readding the card to your digital wallet or access your card details.

When adding your virtual card to your mobile device, please be sure to use an Apple or Google device with the latest version of iOS/Android. Inactive or out-of-date devices that are selected in push-provisioning could delay adding your card to your digital wallet.

If you’re having trouble adding your virtual card to your digital wallet, please visit Apple Pay Support or Google Pay Support.

Most retailers who accept contactless payments will accept a Bread Pay virtual card. In the rare event that the retailer does not accept tap-to-pay, you will be prompted to provide your Bread Pay virtual card details directly to the retail store associate.

Yes, you can make returns that are subject to the retailer's return policy.

When making a return, if your virtual card is still in your digital wallet, you'll be prompted to tap it at the register to process your refund.

If your virtual card is no longer in your digital wallet, you can access your card details in the Bread Financial™ Member Portal or by contacting our Member Support team.

Once you’re ready to pay for your in-store purchase, use your mobile phone to scan our QR code which you can find at the register or throughout the store. Then, you’ll be routed to apply for a Bread Pay™ plan.

When applying, you'll also receive a confirmation code to use at the register. This code is only valid at the retailer’s physical location and will expire within 12 hours. You'll need to present your confirmation code to the retail store associate with a valid photo ID to check out with your selected Bread Pay plan.

A Bread Pay™ Installment Loan helps you make online or in store purchases at participating retailers with repayment options that fit your budget. Terms range from 3 to 48 months and rates from 0.00% to 29.99% APR, depending on your eligibility.

Bread Pay Installment Loans are not subject to late fees, origination fees, or prepayment penalties.

Bread Pay™ SplitPay is a buy now, pay later plan that can help you buy the things you want now and pay it off later with four interest-free payments. Available for online or in store shopping with any of our participating retail partners, Bread Pay™ SplitPay can be used to pay for purchases between $50 and $1,500.

Your first payment is due at the time of purchase. Your remaining three payments will be automatically processed every two weeks until your order is paid off.

With Bread Pay SplitPay, there are no late fees or prepayment penalties.

You can make payments on your Bread Pay™ Installment Loan using ACH funds transfer or a personal debit card. We’re unable to accept payments made through: credit cards, business debit cards, bill pay services, physical checks, a Flexible Spending Account (FSA) or a Health Savings Account (HSA).

For your Bread Pay™ SplitPay plan, you can make payments with your personal debit card or credit card. We’re unable to accept payments made using: ACH funds, bank transfers, prepaid debit cards, a Flexible Spending Account (FSA) or a Health Savings Account (HSA).

Payments must be received by 5:00 p.m. (ET) on your due date.