Empower your customers with Flexible Payments

Bread Financial® makes payments simple and seamless for every shopper. From personalized credit card programs to convenient Pay Over Time options, we help you create experiences that keep customers coming back.

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Our Approach

Identify your business needs

Our team of experts will work with you to determine your needs in-store or online.

 

Tailor your solution

Customized financing offers created to drive growth for businesses of all sizes.

 

Designated Support

Count on our team to guide you from start to finish and set your program up for success.

  
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Why Bread Financial?

 

Bread Financial is a tech-forward financial services company. We provide simple, personalized payment, lending and saving solutions. For more than 25 years, we’ve been the expert in tailored white-label consumer financing solutions for some of the world’s top brands.

 

 

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Open-Ended

 

Private Label Credit Cards (PLCC)
Drives loyalty, increases spend, and keeps your brand top of wallet.


Co-brand Credit Cards
Strengthens partnerships, enhances customer loyalty, and increases brand visibility with every swipe.
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Close-Ended

 

Installment Loans
Flexible payment options to boost customer purchasing power, and drive higher sales.


SplitPay
Increases average order value, and gives customers a flexible, interest-free way to buy now and pay over time.

 

 

 

 

1 in 8 Americans have a Bread Financial account*

 

 

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million card holders

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brand partners

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billion transactions

The Bread Financial
Difference

We offer rich features, functionality, and marketing solutions designed with your business in mind.

 

Boosting conversions

Get richer customer insights and rescue abandoned carts with data sharing.

 

Enhancing accessibility

Unlock flexible and affordable financing options for your business and customers wherever they shop.

 

Personalize your brand

Engage customers on a whole new level with our customizable gray-label offerings.

 

We're the bank

Our two banks enable better underwriting, higher approval rates, and financing software to fuel your growth.

 

 

 

 

 

 

 

 

Take the first step: Provide your info and we'll be in touch

Copyright ©2026 Bread Financial. Comenity Bank and Comenity Capital Bank are Bread Financial Companies. Bread Pay®; and Bread Loans® are a suite of loan products made by Comenity Capital Bank, a Utah state-chartered bank, Member FDIC.