Bait and Switch Looked into buying some furniture, not super expensive and Bread said to apply for financing. I clicked the link and applied and I received an email stating that it I was pre-approved for up to $2,500. Great, I think, so I go back to shop. I select $1,800 in merchandise & check out. Bread immediately declines me. Ridiculous. (And by the way, I can easily pay cash for the furniture)

It was incredibly easy to apply for… It was incredibly easy to apply for financing for my accuquilt. Not only was the transaction easily done, but setting up payment using a text message link was wonderful. I never needed to create an account only to log in with the phone number used to apply for the loan. 10 out of 10 would use again

Easy as Pie ... er ... Bread I used Bread to purchase new kitchen cabinets. The application process was easy, approval was fast and the payments were seamlessly processed each month with no further effort on my part. I would definitely use Bread again.

Fairly easy to get credit through but… Fairly easy to get credit through but if you’re gonna pay on a $1600 purchase it should be reported to the credit bureau, but they will report it to the credit bureau if you miss a payment

no muss no fuss no bother. Sweet. I received the loan during the money spending season (Christmas) and knew I was going overboard. The loan came through immediately, within an hour of the request. I got a timely reminder (thank you) for the first and second payments and was able to pay off the balance with the second payment. No muss, no fuss, no bother and I am deeply appreciative.