Shoppers Help Center

Please wait a few minutes before requesting a new verification code as you may receive a text with several codes all at once. Please also note that you will not be able to receive your verification code if the phone number you are entering belongs to a fixed landline, rather than a mobile phone.

You are given 5 attempts to validate your verification code before being blocked for 15 minutes. If you are still not receiving a verification code, we recommend you request a new verification code by selecting ‘Didn’t get the token?’.

For additional assistance, please contact our Member Support team here.

To check on the status of your order, please reach out to the retailer directly.

You can view your current balance on Bread’s Member Portal Home Page.

Each payment plan is a separate loan and cannot be consolidated

You will not be able to adjust your loan terms after you have checked out.

You will not receive paper monthly statements. We offer AutoPay, and we’ll send you reminders ahead of every due date. You can also view your payment schedule and account details online in Bread’s Member Portal.

Bread® is only available to help finance individual purchases through participating online retailers.

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 individual creditworthiness and terms offered by the retailer where you are shopping. You can view your loan’s APR on Bread’s Member Portal Home Page in the “Payment Plan” area.

Yes, however, your capacity and allowable number of transactions at one time will be based on your credit worthiness and your past history with Bread.

To update your email and phone number, or to update any other information, please call our Member Support team here.

To ensure the security of your information, we only provide your account information directly to you unless we receive your verbal consent to disclose information to a third party. We can provide account information to your authorized power of attorney if you need ongoing support in managing your account.

Please call our Member Support team here to authorize a third party or verify your account information via conference call.

You can use any digital camera or phone that has a camera to take a photo of your US Driver’s License or US State ID. After placing the identity document on a dark, flat surface, check that your document is free from any shadows or glare. When framing the photo, make sure the entire document is visible and that everything is in focus.

If you are uploading your document on your mobile device with a camera, you can take a photo of your ID document using that device’s camera. If you are using a desktop computer, we recommend taking the photo using a separate digital camera, and then uploading the images to your desktop computer.

Yes, Bread reports repayment information to consumer reporting agencies.