Shoppers Help Center
Payments
For Bread installment loans, your first payment will be due no fewer than 30 days from the date the retailer settles your transaction. Subsequent payments are due on that date every month for the duration of your loan term. However, if your due date normally falls on the 31st, 30th, or 29th of the month, your due date will fall on the last date of the month for February, April, June, September, and November.
For SplitPay your first payment is taken at checkout and the next three payments will be taken out automatically every 2 weeks over the next 6 weeks.
You can view your payment schedule on Bread’s Member Portal.
You can enroll in AutoPay from Bread’s Member Portal Home Page by selecting “Enroll in AutoPay”.
To enroll in AutoPay via phone, please call our Member Support team here.
If you check out with SplitPay, you will enroll in AutoPay at the time of checkout.
Once you are enrolled in AutoPay, you can manage your AutoPay settings in Bread’s Member Portal.
If you don’t submit your payments by your due date, your account will be past due. Paying late may impact your eligibility for Bread® loans in the future and may ultimately affect your credit score, as we report repayment information to the credit bureaus.
Bread does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer.
You cannot make payments on your Bread installment loan via credit card or business debit cards.
Credit cards can be used for payments on your SplitPay payment plan.
Additionally, Bread does not accept Flexible Spending Account (FSA) or Health Savings Account (HSA) payment cards because we are not designated as a health services retailer.
To make an installment loan payment by check or automatic bill pay with your bank, please refer to the address below:
c/o Bread PO Box 783186 Philadelphia, PA 19178-3186
Please be sure to include your loan number on any checks mailed or any payments set up through your bank.
Alternatively, you can enroll in autopay in Bread’s Member Portal on the Home page.