Bread Pay Reviews (Sep 2025): Is It Legit? Trust Score 1.7/5 from 60 Reviews | CrowdTrust

Where the score comes from

Each source counts by its number of reviews. Only reviews written by people are scored.

Rating, volume, share of the score, six-month trend and fake-review risk for each source
Source	Rating	Reviews	Weight	6-mo	Fake risk
Trustpilot Imported Trustpilot reviews	1.7	60	100%	+0.3	● Low

1.7 / 5 overall

=

60 reviews across 1 scored source

How fake risk works ⓘ

Reputation trend

Monthly average rating from reviews written by people · latest review Sep 2025.

Last 3 months: 1.3▲ 0.3
12-month avg: 1.1
All-time: 1.7
Category avg: 3.9

Monthly averageCategory average

How it compares

Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.

Overall rating and review count for this company and similar companies
Company	Overall	Legit	Service	Website & app	Value	Trend	Reviews
Bread PayThis company	1.7 out of 5 (poor)	100 out of 100	1.2 out of 5 (poor)	1.8 out of 5 (poor)	1.5 out of 5 (poor)	—	60
International Card Services	4.2 out of 5 (good)	100 out of 100	3.3 out of 5 (fair)	3.0 out of 5 (fair)	—	—	1,200
Frontier Home Insurance	4.7 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.6 out of 5 (good)	4.7 out of 5 (good)	—	1,060
JustCover Travel Insurance	4.8 out of 5 (good)	100 out of 100	4.9 out of 5 (good)	4.7 out of 5 (good)	4.7 out of 5 (good)	—	1,060
247 Home Rescue	4.8 out of 5 (good)	100 out of 100	4.7 out of 5 (good)	4.0 out of 5 (good)	3.9 out of 5 (good)	—	1,060

Bottom line: Bread Pay is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 1.2).

M. NICOLET Johan

1 review

Sep 15, 2025

Featured

𝙸 𝚊𝚙𝚙𝚛𝚎𝚌𝚒𝚊𝚝𝚎𝚍 𝚑𝚘𝚠 𝚖𝚞𝚌𝚑 𝚝𝚒𝚖𝚎…

𝙸 𝚊𝚙𝚙𝚛𝚎𝚌𝚒𝚊𝚝𝚎𝚍 𝚑𝚘𝚠 𝚖𝚞𝚌𝚑 𝚝𝚒𝚖𝚎 "𝘛𝘳𝘶𝘦𝘴𝘪𝘨𝘩𝘵𝘓𝘦𝘨𝘢𝘭•𝘤𝘰" 𝚝𝚘𝚘𝚔 𝚝𝚘 𝚎𝚡𝚙𝚕𝚊𝚒𝚗 𝚝𝚑𝚒𝚗𝚐𝚜 𝚌𝚕𝚎𝚊𝚛𝚕𝚢. 𝙸𝚝 𝚑𝚎𝚕𝚙𝚎𝚍 𝚖𝚎 𝚏𝚎𝚎𝚕 𝚊𝚝 𝚎𝚊𝚜𝚎.𝚁𝚎𝚌𝚘𝚟𝚎𝚛𝚒𝚗𝚐 𝚊𝚕𝚕 𝙸 𝚕𝚘𝚜𝚝

Bridget Mullens

1 review

Aug 14, 2025

Featured

Thanks to frizinkles

Thanks to flri ziñklês, I managed to recover my fundss from a fake investment platform. They were incredibly efficient.

1 review

Jul 30, 2025

Featured

Scam financing find another option.

They have your total shown, your APR, and interest that you would pay overtime with "no prepayment pentalty" yet when I complete my order all of the sudden there is an extra $400 "finance charge". What an absolute joke. I had no idea about this and I will never be using this company again.

1 review

Jun 13, 2025

Featured

I was preapproved for a purchase loan then accused of FRAUD!!!

I was preapproved for a purchase loan. They made me upload my driver's license, fill out all my personal info and made me personally call to once again prove who I was. Fine, but then I was declined for possible fraud. Again, I uploaded personal documents, filled out personal info, called them personally from the same phone I applied on. I have, well had an excellent credit score 844 (thanks BreadPay). I will never use this BS credit company and I would stay the hell away from them.

1 review

Apr 24, 2025

Terrible, Horrible, Nightmare to deal with

terrible horrible I need to learn always check reviews before getting into something , also check out the reviews on trust pilot for breadfinancial.com. I will also say I filed a complaint on BBB it's so bad. I have been hung up on 3 times by this bank just trying to make a dang payment, but they don't want me to make a payment because then they can keep charging me interest and late fees. Okay here's the story..... Just opened a AAA Travel Advantage Visa Signature Credit card 02/2025 which is through Comenity Bank on the Bread Financial App (First red flag) 1st Payment was due 03/16/2025 Tried adding my Ally Checking and Savings account multiples times the week prior with an error message saying “it’s us not you” as i will try to attach here. Once I realized It wasn’t going to be fixed I had to transfer he funds to another account which takes 3-5 business days in order to make my payment on an account that seemed to let me add it. Because of this, I accrued interest, late payment fee, and a check bounce fee since the payment didn’t transfer fast enough and I was getting anxious about the payment not being accepted through Comenity. I reached out to customer support to help me find some resolve to the situation and they told me there was nothing they could do, I politely asked to speak to a manager because I have never had an issue with a credit card company where it says it’s their fault but there is nothing they could do, so they “transferred” me but I just got hung up on. They also say I can’t use my card anymore until it is paid off to 0$ and untouched for 3 months. I tried to make a payment again on 03/30/2025 on the account it appeared I could use through Comenitys system but even with 3x the amount needed in my account it still says it bounced my payment and I have a message through their portal to check with my bank when it has had enough funds for 2 weeks since I made the initial transfer for the first payment. EDIT: Since I have made this statement I am still getting extra late fees (IN THE SAME MONTH) the app won't accept any form of payment without erroneous fees and penalties. Once I can get this cleared I will never use this bank, or app again!

Guilebaldo Nieto

1 review

Apr 1, 2025

Hallman Industries closed and it seems…

Hallman Industries closed and it seems that I will not be getting my order. I’m almost done paying my loan. I called Breadpay to tell them the situation with Hallman Industries. I explained them everything and that Hallman are not responding to emails nor calls. They opened a ticket for me and I sent them all the evidence to them that they requested. Their customer service is horrible and they did not resolved my problem after I told them I wanted to cancel my loan. Now, I have to wait 6-12 months for Hallman to refund the money to Bread pay in order for them to get my money back. Hallman is closed they have ditched their customers and possibly stole all this money. If any one has more info on a class A lawsuit for Hallman Industries please post here…

1 review

Mar 25, 2025

Don't Use Bread Payments

Bread partnered with Hallman Industries. I purchased an oven for $2500 on 12/25/2024. The company went out of business 2 months later and I never received the oven. I contacted the merchant several times with no response. Bread keeps transferring me to a call center in India with no customer support. Bread said that I still have to make my monthly payment of $204 and that I need to call the merchant. The merchant no longer exists. I am now on my 3rd payment for a product that I will never receive. Bread said that they do not have fraud protection like very other credit company in the world.

1 review

Jan 25, 2025

NASTY GROSS LOW CLASS

I will never ever try this again and will warn everyone I know that may use it. First of all the lady that answered the phone was real sick could barely talk and she kept COUGHING AND HACKING IN MY EAR!!!! Rude and nasty!!! I should have just hung up. I didn’t get approved anyway because I had “fraudulent activity” WTF. What a LOW CLASS company.

1 review

Dec 31, 2024

Pocketed my 64.00 only gave me 78.00…

Pocketed my 64.00 only gave me 78.00 and Wayfair refunded there entire money and I got scammed I will never deal with bread pay

1 review

Dec 11, 2024

zero response back from them.

I tried for months to start using breadpay as an alternative for our shop, but it seams like they are not interested in having any business at all since we can't get a single person on the phone that knows what they are doing, they just keep transfering you to different sectors and all the emails that they have are either wrong or isn't the right sector. I decided to try them as a installment option for my clients because we use Clover as a POS and they have breadpay integrated, but I just gave up on trying since I had zero response back from them.

1 review

Nov 27, 2024

Horrible software & customer service

Horrible software, horrible email support, don’t want people with good credit scores (that would get 0% interest). I got approved but never got to where they gave us money, but based on what we saw I believe all the horrible experiences people reported here. This is not the kind of company you want to use for money transactions. I am a fantastic borrower, 800+ credit score and low debt to income, that might have worked against me (they would not make much money off me as I would take the 0% APR 2 year choice). I saw the reviews here but the company we were doing a high dollar purchase from said they had no problems so we decided to try it. For a backup we walked into our local credit union and within 30 min got a new intro 0% apr credit card we could also use. Bread software would just blow up (close) with no error messages at all. Several times in a row. Later I got emails saying they could not pull credit and they needed one of 5 credit agencies to be opened up. So I opened up the one most companies used. Same issues. Contacted email support and listed the credit agency where the freeze was lifted, I asked if they ran credit again and asked which agency they used. Got an email response saying "understand your concern" with no answers to questions, and saying unfreeze a credit agency. I got a canned email with generic credit agency info but had equifax listed so opened that credit agency and got one step forward. Then it asked for an Id to be uploaded. I got a message done successfully, but when continued the order was taken to Id verification again (3 times). Got 3 emails asking for the ID to be uploaded - used one of those links. Then got 20 more emails the next 24 hours saying they wanted the ID. I got an email later that said to contact them with a phone number 888-329-5435 and got a live person. She said no ID was uploaded (despite us doing that 4 times) but then she found it. She "had to do something" and then said we would hear tomorrow. More emails overnight, most asking for an ID upload. Called the number again, was told an email was sent the night before with a decision. Never got it (yes, I checked). He resent it. It said denied possible fraudulent activity (no confirmation of anything they thought was fraud). If they are this bad when applying, they will be that bad when distributing and administering the loan (as others have reported). Find another way to pay for what you want.

1 review

Nov 3, 2024

They never sent my loan to the retailer

Made a $900 purchase a week ago and bread never sent it to the retailer so now my order is lost somewhere. I’ve contacted both the retailer and bread customer service with absolutely no help. I was basically told that I need to figure it out even through it has nothing to do with me. I even paid off the entire loan at once to see if that would help. When I called they told me there wasn’t even an order ID for the retailer to look it up. So they know it’s on their part. I’ve used them multiple times with no problem but this one time is a complete nightmare. I will not stop figuring this out on my own until I find an answer or take legal action against them.

Ann Richardson Haren

1 review

Oct 27, 2024

SCAM

SCAM! Do not deal with Bread Pay!! I was making a purchase at a local furniture store where Bread Pay advertised 12-24 month - no interest. It took me and the store manager over an hour to complete the application through texting with Bread Pay! Within 5 minutes while still standing at the store counter, I learned through phone call and text that my interest rate was 14.99% for their “no interest” advertisement! I immediately replied that the purchase would not be made and to cancel my application but was informed that I couldn’t do that! The store manager called to inform them I was NOT MAKING THE PURCHASE and to cancel the application! I paid cash and left the store. Thankfully, I have my cash receipt and merchandise will not be delivered until tomorrow. I have received texts and emails from Bread Pay several times today giving me a total, first payment amount and date due! I googled customer service where I actually talked to something that “appeared human” claiming to be a supervisor. LuLu was her first AND last name and her broken English was terrible! She asking me “which credit card I wanted to talk about” then she just hung up!! I called the store and they are turning this over to the local store’s district manager’s department.

1 review

Oct 21, 2024

No Clue What it is but they are stealing my money

I didn’t purchase anything with bread, I don’t have a credit card with any of their stores, yet I have a charge on my bank statement from them. You try and call and receive no assistance and can’t get a human to help you because you don’t have an account number or credit card with the “special phone number”. There is nothing showing up on a credit report so it’s a mystery and I’m left thinking

1 review

Oct 18, 2024

SCAM!!!!

SCAM!!!!! I HATE BREAD FINANCIAL!!! Read the reviews - scammers all the way nickel and dime random charges etc.

1 review

Sep 12, 2024

Don't do it

Don't do it; they're a scam. They won't send your order over, and then they keep trying to charge you even after you give them the proof they requested.

1 review

Sep 10, 2024

This app is very good easy to use

This app is very good easy to use

1 review

Aug 31, 2024

Ghastly experience

Ghastly experience. Misleading.Nasty customer service. No reputable business should steer their customers to a sleazy outfit like Bread Pay

1 review

Aug 4, 2024

Ordered a door through another company…

Ordered a door through another company and it was wrong size so Sent it back tried getting my the money I paid on it and they blame it on the other company don't use these people

1 review

Jul 16, 2024

Utterly useless Can't help you can just…

Utterly useless Can't help you can just blame everything on the customer he said I had 3 card attempts I got 1 then told me I have to wait another 30 days that's bs Fix your service or go out of business