Empower your customers with financing
Bread Financial®’s promotional financing unlocks your customers buying power giving them access to simple, real-time personalized financing options including a card program for Private Label Credit Cards, Installment loans and SplitPay
Why Bread Finanical®?
With Bread Pay, you'll get the Bread Financial Advantage. Bread Financial is a tech-forward financial services company. We provide simple, personalized payment, lending and saving solutions. For more than 30 years, we’ve been the expert in tailored white-label consumer financing solutions for some of the world’s top brands.
40+
million card holders
1k+
brand partners
18B
Average loans
The Bread Financial
Difference
When it comes to choosing a financing partner, experience, trust, and financial strength matter. Here's what sets us apart:
-
Established
For over 35 years we has been helping top brands achieve their goals by powering their financing programs. -
Trusted
We have 35 Million+ card members and ~50 Million accounts. -
Stable
We are a publicly traded, deposit-funded finance company with a strong balance sheet, offering reliability you can count on. -
We are the bank
Our two banks enable better underwriting, higher approval rates, and financing software to fuel your growth.
The Bread Financial Advantage
Open-Ended
Close-Ended
Private Label Credit Cards (PLCC)
Drives loyalty, increases spend, and keeps your brand top of wallet.
Installment Loans
Boost customer purchasing power, drive higher sales, and build long-term brand loyalty through flexible payment options.
Co-brand Credit Cards
Strengthens partnerships, enhances customer loyalty, and increases brand visibility with every swipe.
SplitPay
Increases average order value, and gives customers a flexible, interest-free way to buy now and pay over time.