Bread Pay is a financial services company that specializes in providing tailored payment solutions for businesses of all sizes. With over 30 years of experience, the company offers a range of services including pay-over-time options, private label credit cards, and co-branded credit cards. These solutions are designed to help national brands and startups enhance their customer engagement and increase sales. Targeting a diverse clientele, Bread Pay aims to meet the unique needs of various industries by delivering flexible financing options that can drive customer loyalty and satisfaction. The company's expertise in payment solutions positions it as a reliable partner for businesses looking to optimize their financial operations and improve overall revenue performance.
Bread Pay receives overwhelmingly negative feedback from consumers, with many describing their experiences as frustrating and untrustworthy. While a few users appreciate the ease of use and functionality of the app, these positives are vastly overshadowed by complaints about misleading fees and poor customer service.
Reviewers frequently report issues such as unexpected charges, loan applications being mishandled, and a lack of responsive support. Many express feelings of being scammed, citing instances where their orders were not processed or funds were mishandled. The overall sentiment reflects a significant distrust in the company's practices, leading to a strong recommendation against using Bread Pay.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 1.7 | 60 | 100% | +0.3 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Oct 24 | 1.0 | 3 |
| Nov 24 | 1.0 | 2 |
| Dec 24 | 1.5 | 2 |
| Jan 25 | 1.0 | 1 |
| Feb 25 | — | 0 |
| Mar 25 | 1.0 | 1 |
| Apr 25 | 1.0 | 2 |
| May 25 | — | 0 |
| Jun 25 | 1.0 | 1 |
| Jul 25 | 1.0 | 1 |
| Aug 25 | 1.0 | 1 |
| Sep 25 | 2.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“This app is very good easy to use”
“They have your total shown, your APR, and interest that you would pay overtime with "no prepayment pentalty" yet when...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Website & app | Value | Trend | Reviews |
|---|---|---|---|---|---|---|---|
 | 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 |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | 3.0 out of 5 (fair) | — | — | 1,200 | |
| 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 | |
| 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 | |
| 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).
60 reviews of Bread Pay. Filter by what matters to you.
Filled out all information, was told I qualified for a plan. Went through selections on shop, was asked for personal info, including pictures of my drivers license. Then I was told I was denied for unknown reasons. Scam site. Don't give them anything.
After dealing with their system issues for 2hr, and having to call them and Wayfair they said ok we fixed it! Then i get shown im approved and for how much. I pick a payment plan and then they ask for an image of my driver's license. I give it thinking this is normal and guess what??? They then say you're denied at this time and after several hits to my credit report, which they say ohhh no we don't do hard hits (that's a lie)!! AFTER I GIVE MY SS# They then within ohhh i don't know 30 minutes or so, sell all my info and then i start getting text messages about me receiving money from Citizens Bank, andf stating to click this link if it's not you!!! I'm getting click bate for scammers now!!!!! I have recieved about 9 emails from random scammers. Not even ads people!!! Scammers!! ... seriously. Not a legit company i feel. I asked why they did it this way, and she stated some people need to show their ID because they seem like something is not right with their info!!! I delt with your system acting up, you didn't recognize my phone carrier, and i had to call multiple times to 2 different companies customer service numbers to get this far, AND MY info seems off?? You get my SS#, an image of my DRIVER'S LICENSE, my email, phone number, house number, CELL PHONE# and then Denie me? I have established credit with other places, my credit is not that bad! But i seem off? I'm not sure what happened here but please be careful with whom you intrust your info with. Because the emails and texts are scammers....ohhh and not to mention the phone call trying to tell me my SS# IS ABOUT TO EXPIRE!!! SERIOUSLY???? BREADPAY we are disappointed in you. Sorry to rant but be careful. The problem is that most people comment asap they get their credit maybe rosy before their 2 payment, so it's not a legit comment if what they sent through. We need more people to actually comment and not just say forget it! Without these we won't know how these companies actually work.
Quick answers to the questions people ask most.
Bread Pay has received numerous reviews, with a rating of 2 out of 5 stars based on customer experiences. While some users appreciate the service, others have expressed significant concerns about its reliability.
There are mixed opinions about Bread Pay, with several verified reviews labeling it as a scam due to issues like unresponsive customer service and unfulfilled orders. Customers have reported losing money and having trouble getting support.
Bread Pay primarily offers financing options for purchases, allowing customers to pay over time with various terms. However, many reviews indicate problems with the actual processing of these loans and the communication around them.
Bread Pay typically accepts credit and debit cards for transactions. However, customers have reported issues with unauthorized charges and difficulties in processing payments.
Customers can reach Bread Pay through their website for support, but reviews indicate that response times can be slow, leading to frustration among users who have unresolved issues.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
I got a refund from wayfair and used bread to pay for it.within a day the loan was refinded.they were great!they are so much better than affirm!they make it very hard to get a refund.
never can get logged in on this site they have my email and my mobile # and it always tells me i put in the wrong 4 digit verification code this happened before my first payment and 3 days after when i went to check my account
I qualified for it but they denied me due to me "answering the verification wrong" I answered correctly the stuff they were saying had nothing to do with me I was lost when they were asking me. I called to get it resolved and no help they were acting like they cared but you can hear it in their voice they were being sarcastic they just wanted you off the phone. saying " aww I am sorry nope can't help you" I am pissed because they don't want to help.
Worst finance company o bought a gazebo from wayfair damaged and defective and breadpay expects me to pay my monthly payment without a resolution
Made a purchase through Wayfair using Bread financial and literally cannot pay my tiny bill of $30 due to not having a bank acct. if you do not have an account, do not use this finance company, they offer no other forms of payment.
My credit score is like 825; hence, I've never been turned down for anything at all until I applied for a finance plan from Bread Pay because I didn't want to pay it all at once. I went through their ridiculous process including calling them 3 times, emailing them 4 times, and uploading my driver's license. As a result, for the work which lasted 2 hours, I was denied and had to pay for it all. Therefore, I have a perpetual negative opinion of Bread Pay and will never think of using it.
Horrible customer service. They say they couldn't identify me and then refused to resolve it. I see why there are so many bad reviews about this bank now. I'll tell at least 25 people how bad this bank is, starting with this review.
Tried two different bank cards to payoff my loan both was declined for fraud. Then was ask to provided my bank routing and account number(did Not nor will ever) told them no. Terrible service a scam more like it! P.S also got into a argument with an employee about Bank of America not having master cards. I have one…. So explain
I had the worst bank experience ever with Bread Financial. I wanted to open a CD, since they have good CD rates. I decided to open a savings account first with them, and afterwards open a CD to a transfer the money from the savings account. It took me more than 1 month to open a savings account with them, I did it initially online, when I didn’t hear anything after about a week I called them and they said that I needed to wait for a letter in the mail, after another week still nothing, I called again (every time you call the automated answering machine says 10 minutes wait even if the wait was always between 30 and 60 minutes), when I finally got them on the phone they told me that I have to send them in the mail some additional papers, copy of ID, copy of SS card etch. I did that, after many more phone calls I finally succeeded in opening a savings account, this was after 32-33 days. Then I wanted to open a CD online, and I kept having problem with it, it kept saying that I was denied???, I called them again and they told me that there system was down and I should try in a few days again. I kept trying and I kept being denied, I called them again, and every time they said that they couldn’t tell me why I was denied, but only tell me that it wasn’t because of my credit, I knew that since my credit score is above 800. I am in my mid 50’s and have had many CD’s before with different banks without any problems at all. Since I wanted to open a CD, and I couldn’t do that I wanted my money back, I called them again, and they told me that I would see my funds within 5 biz days, it ended up taking another month and call them 5-7 times again. It was obviously to me that they were holding on to my money to make interest of it, and pay me a much lower interest. I want to warn everyone against this bank which have very suspect and deceiving banking operations.
Received a home equity loan. Mortgage company sent cert checks out to my lenders. Bread supplied me with a mailing address and a check was sent for my loan balance plus $600 in error. Check was cashed 5 weeks ago. After numerous calls I'm still waiting for my funds to be mailed back to me. I had been told various things about payoff and funds to be returned by many representatives. Comity Bank and Bread do not have more than message access to one another. Worst experience I've ever had with a financial institution. Still waiting for $1600 of my funds to be returned to me! No one has or provides answers and now getting hammered for being behind in loan payments too. Even upper managers have not been able to help. STAY AWAY!!!
Attempted to open a 1 yr cd. After more than a week, I got a letter in the mail saying they suspected suspicious activity and I needed to mail them proof of identity. I called the number they supplied in the letter, and after several IVR's, they hung up. Again and again. Then I looked up the parent, got a phone number and finally got a person. Asked if there was an email address to send the identity proof they wanted. The answer was no. Only through the mail. I requested my application be deleted. After 10 questions to prove my identity, they agreed. I know they are internet only bank, but they don't use the internet....ie no email address. With that poor a customer service, I don't want to give them my money.
UPDATE (01/28/2023): After several months of using Bread, the experience has been great despite the initial hiccups. Would recommend to others UPDATE (11/4/2022): I was able to finally place an order, updated to three stars. Further updates to follow. OP (11/3/2022): Place an order with Nikon using Bread Pay on 10/28/2022 and was informed that the order would update within 24 hours. Called Nikon on Monday, 10/31 to check the status, and they indicated they had not received the order because they were waiting for Bread Pay to send it over as they are a 3rd party and the ordering is different. Contact both Nikon and Bread Pay today, 11/3 and still no order, however a lot of finger pointing between the two companies as to who is responsible for the order. Bread Pay ended up cancelling the order and as a result, I missed out on a sale and had to use a different payment method. If this is the way they operate, I'm sure they're missing out on customers. Neither company addressed the issue, nor did they seem to care either. Take your business elsewhere!
I am 59, a veteran, retired, credit score in the high 700's and can't even apply for credit because I have Cricket Wireless as my cell phone carrier. Bread Pay considers all customers with Cricket to be pre-paid customers (I am not) and a credit risk. So, I am being discriminated against - judged by - who my cell phone carrier is, not my credit worthiness.
I can't sign in. I go to the Log In screen, enter my email address, and instead of allowing me to enter my password, it asks for my cell number. Fine, except the pin number they send is not recognized, after just two seconds or less! I tried 9 times before giving up. So now I can't pay my bill and it will affect my credit rating. Very frustrating.
ComenitY bank, bad choice selling or transferring accounts to them. Site always wants me to create profile, even just to quick/easy pay. Do it then next time try logging in & cannot be found! I had a GB packers nfl card through COMENITY bank & my account under them now. Considering a balance transfer to anywhere but these to close account!
Tried to use bread while purchasing hearing aids. Checkout process through bread implies seamless, automated approval. This is not true. When I tried to use bread pay it said you must call and talk to a person. After filling out ssn, dob etc. got on the phone and could not hear because the system was messing up. They then say we need to verify identity by asking you questions from credit report. That is standard however they are read to you by a person who cannot pronounce very well through a phone system cutting out but I answered the best I can asking to repeat. I am purchasing hearing aids! Then they ask me to upload photo of drivers license. I did all that then it says denied cannot verify identification. I complained saying the process is flaws and discriminatory towards hearing impairment and I am who I say I am. They use TransUnion and I verified all my info is correct. They reply say sorry cannot revisit your identification. You are denied. Go back to selling company basically not our problem.
Bread Pay is a financial services company that specializes in providing tailored payment solutions for businesses of all sizes. With over 30 years of experience, the company offers a range of services including pay-over-time options, private label credit cards, and co-branded credit cards. These solutions are designed to help national brands and startups enhance their customer engagement and increase sales. Targeting a diverse clientele, Bread Pay aims to meet the unique needs of various industries by delivering flexible financing options that can drive customer loyalty and satisfaction. The company's expertise in payment solutions positions it as a reliable partner for businesses looking to optimize their financial operations and improve overall revenue performance.
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