List of Stores that Accept Bread Financing to Buy Now, Pay Later

Click on individual online store logos for more information about that store and to shop.

Priority Bicycles

Priority Bicycles

While the company was founded in 2012, Priority Bicycles started in 2014 after Weiner crowdfunded the company with a Kickstarter campaign. Dave Weiner, the founder, quit his job as a CEO of a software company to pursue his passion. He then decided to enter the bicycle...

Until Gone

Until Gone

UntilGone (formerly Yugster) was established in 2005 that aims to provide a tailored-to-fit-you online shopping experience for their customers. They offer the best varieties of deals on innovative and unique yet quality products at an affordable price and, at the same...

SpinLife

SpinLife

SpinLife is currently the largest online dealer of mobility medical equipment such as power wheelchairs and electric scooters in the United States since 1999. Through the years, they have already helped tens of thousands of customers solve their mobility problems and...

WinkBeds

WinkBeds

Wink Beds offers luxury beds with a luxury price. The mattress company was founded by Daniel Adler last 2015 and offers three kinds of beds in the market. First is the WinkBed, which is also their flagship model. Second is the EcoCloud made from natural and organic...

Metta Bed

Metta Bed

Are you looking for a satisfying comfort from a bed mattress that your current one can't give? Then you might want to check out Metta Bed. The Metta Bed mattress provides innovative and custom comfort. They allow their customers to try out their products for 120...

eLuxury

eLuxury

Eluxury is a company that focuses on mattresses, linens, and home products. Its manufacturer headquarter is in Evasville, IN where all their lines are made. The company is also a United States Veteran Owned and Operated company. It only offers the highest quality and...

Amore Beds

Amore Beds

Amore Beds is a distributor of quilted and organic mattresses. They design their mattresses to have white fabric side up at all times. Their products are guaranteed to last 10 to 20 years but may last a lot longer with proper care. Rotating the mattress every 3 to 6...

Daily Steals

Daily Steals

Daily Steals has been around the internet since 2009 but in 2015 it went offline because of business loses. It was the year 2016 when a group of investors who are committed to eCommerce purchased it. Since then, the website became a major online shopping site...

Sylvane

Sylvane

Emerged from the founders who were severe allergy sufferers, Sylvane now offers the best indoor air quality products. They provide air quality solutions, humidity control, heating and cooling, and vacuums and floor cares which help solve problems like airborne...

BBQGuys

BBQGuys

Since 1995, BBQGuys were creating customized outdoor spaces for their clients. The company is located in Louisiana and consists of diverse and knowledgeable professionals. They can transform their client’s patio into an entertainment place. Their products include...

About Bread Financing

In the old days, everyone goes to the mall if one wants to buy something for whatever reason, and this is the reason why shopping malls have been so popular up until now. But, with the rise and convenience of e-commerce industry, lots of people are switching to online shopping when purchasing things.

Moreover, online shopping offers numerous advantages compared to malls. You can find better deals, discount coupons and interesting products as well as gives you the ability to compare prices easily and instantly. Also, there will be no crowds and salesperson following you around for sales pressure.  However, not all of us are capable to shop online since probably most of us don't have funds and credit cards to finance our shopping needs, and that is where Bread financing comes in useful.

What is Bread Financing?

Bread is a financing solution that helps online shoppers purchase items with lower interest and monthly payments from selected retailers. Founded in New York in the year 2014 by Josh Abramowitz and Daniel Simon, the company offers pay-over-time solution for retailers with customers who are looking for a convenient financing option for their purchases. In other words, they finance a purchase that customers make without leaving the retailer's website.

Furthermore, Bread has integrated a program (in some of their e-commerce store partners) that automatically shows financing options, even before proceeding to checkout.

How Bread Financing works and How to Apply?

To use Bread, make sure that you are shopping with their e-com partners. Also, you need to create an account on their member portal site so they can verify if you are a legit shopper. Furthermore, not all aspirant borrowers can get approval, so to know if you are eligible for a loan, apply for their pre-qualification assessment.

Bread repayment terms vary from six to twelve months, and in some cases, one can pay up to twenty-four months depending on their credit score and history.

As you browse the merchandise in the store site, you can automatically see the payment options via Bread near the Add To Cart button. Once you are done selecting your desired merchandise, we highly recommend reviewing them all in your cart before proceeding to the checkout page. It is to make sure that you are buying the right merchandise and avoid paying for the wrong ones. After all, you are only borrowing money for your online purchase.

When you are ready to complete your purchase, proceed to the checkout page, then select payment via Bread. You still need to fill up their online application form and wait for the loan approval. Once approved, choose your desired payment plans that suit your monthly budget, and you are good to go.

How to payback Bread?

Bread allows their borrowers to pay them back in three options such as;

Automated Clearing House (ACH)

If you want to pay through online bank transactions, then you are allowed to make payment via ACH. To do this, login to your Bread account and go to the member portal to set up your ACH payment. The good thing about this type of payment is that you won't have trouble making late monthly payments since Bread will automatically charge you directly to your bank account.

Debit Card

Similar to ACH, you can also use your debit card to pay your monthly dues to Bread. Again, to use this feature, log in to BREAD's member portal and select debit card as your payment preference. Bread will then automatically charge your debit card based on your monthy dues.

Check Payments

Yes, you read it right. Bread is also accepting check payments, especially for bulk purchases. To use this feature, select check payments and send your check to the below address:

c/o Bread

Servicing Department

P.O. Box 1264

New York, NY 10276

Always remember that your first payment due is 30 days after the day you made your purchase. The next billing day is the same day where you made your first payment. For example, if your first payment due is on the 8th day of the month, then the date for your succeeding monthly dues is also on the 8th day.

Benefits of using Bread Financing

Straightforward Application

Bread has provided a user-friendly online application and pre-qualification program. Also, make sure to provide accurate and honest information for easier approval. However, you still need to have a good credit score and history to secure a loan. The good news is, pre-qualification won't affect your current credit score.

Safe and Secure

Bread values their customers' personal information, especially when it comes to their payment details. One can assure that their personal data won't be shared on any third entities.

The convenience and affordability of this payment provider is hard to beat as compared to credit cards and short-term personal loans that usually come with high-interest rates. Retailers take advantage of this opportunity to gain customers’ loyalty and make more sales.