Shoppers Help Center
Returns and Cancellations
If your requested cancellation or refund is not reflected on your account, please contact the retailer directly to check on the status of your request.
Once the retailer receives and processes your cancellation or return, a partial or full refund is automatically applied to your Bread account. Your account status and balance are adjusted accordingly.
If a partial cancellation or return is issued, your account balance will be adjusted to reflect your new remaining balance. If a cancellation or refund is issued in full, any payments made on your Bread account will be returned to you less the accrued interest, return shipping fees, and restocking fees.
Any cancellations or refunds issued in excess of your current account balance will result in a customer credit. This credit will be returned to the account used to make payments on your loan.
If your requested cancellation or return is not reflected on your account, please contact the retailer directly to check on the status of your request.
If you are still are having difficulty after contacting the retailer, please contact our Member Support team. Please note that if we open a dispute with the retailer, that dispute can take up to 30 days to reach a resolution and must be initiated within 30 days of your checkout for SplitPay, or within 120 days of your loan origination with a Bread installment loan.
To cancel your order, please contact the retailer with whom you have shopped directly.
All cancellations are subject to the policies put in place by Bread’s retailer partners. If the retailer issues your cancellation, your Bread account status and balance will adjust accordingly.
You may still have an outstanding balance with Bread after a cancellation has been processed. This balance could consist of accrued interest, restocking fees, return shipping fees, or a combination of these. Please check the retailer’s refund and returns policy to determine if these fees apply to your purchase and return.
Any cancellations issued in excess of your current account balance will result in the excess balance being refunded to the payment method used to make payments on your Bread account in 7-10 days business days from the date the refund is processed.
To request a return or cancellation, please contact the retailer you shopped directly with.
All returns are subject to the policies put in place by Bread’s retailer partners. Once the retailer issues your return, a partial or full refund is automatically applied to your Bread account. Your Bread account status and balance are adjusted accordingly.
You may still have an outstanding balance after a refund has been processed. This balance could consist of restocking fees, accrued interest, return shipping fees, or a combination of these.
If a partial refund is issued, your account balance will be adjusted to reflect your new remaining balance. If a refund is issued in full, any payments made on your Bread account will be returned to you less any applicable accrued interest, restocking fees, or return shipping fees.
Any refunds issued in excess of your current account balance will result in an outbound customer credit. This credit will be returned to the account used to make payments on your Bread account.
If you are missing part or all of your order, or have received damaged merchandise, please contact the retailer directly to inquire about the status of your items.