More ways to pay, more reasons to buy
Whether you're selling online, in-store, or across channels, Bread Financial® delivers flexible financing and payment solutions that meet your customers where they are.
A full suite of payment solutions
Our white-label financing and credit card products can be implemented individually or
mixed and matched according to your business needs.
Branded Credit Cards
Find out why 1 in 6 women in the US already has one of our credit cards.1
Private Label
Financing, rewards and exclusive offers that increase sales and loyalty.
Co-brand
All the benefits of our private label program paired with the flexibility of a traditional credit card.
Pay Over Time
Experience fully customizable options and fast implementation.
Installments
An intuitive platform that allows flexible payments online or in-store.
Bread Pay® SplitPay
A fast and effective way to gain a competitive edge by targeting customers who want short-term financing.
Why Bread Financial
Customizable Solutions
Offer your customers the payment options they need with our tailored financing solutions built with your businesses needs in mind.
One Experience
Seamless and fast approvals for your customers with one application whether they choose Pay Over Time or revolving credit in-store or online.
Consumer Financing Leader
Over 100 successful partnerships, a 15 year average partnership length, and 30+ years building financing programs for brandslike yours.
We're the bank
We operate two bank charters delivering deeper underwriting and offering your customers the right financing option that helps you close the sale.
Looking for a customized strategy?
1The following information is based on internal analysis of multiple brand partners as of March 2023: the number of open, unique customers; shopping trip range; partner renewal rate; number of active accounts; number of open accounts; and 1 in 6 U.S. women statistic.
Bread Pay® loans are made by Comenity Capital Bank, a Bread Financial® company.
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