Common questions about Bread Financial personal loans, eligibility requirements, and how our marketplace works.
No. BreadFinancialLoans.com is an independent loan marketplace. We are not affiliated with, endorsed by, or sponsored by Bread Financial Holdings, Inc. (NYSE: BFH).
We earn a referral fee from lenders when a loan is successfully funded. This fee is paid by the lender — there is never any cost to you as a borrower.
Yes. We use 256-bit SSL encryption on all pages and follow strict data security standards. Your data is only shared with lenders for the purpose of matching your loan request.
US citizens or permanent residents, age 18+, with a valid SSN, verifiable income, and an active US bank account.
Our network works with a range of credit profiles. Borrowers with scores of 580 or above may qualify. Higher scores typically unlock better rates and more options.
Some lenders in our network work with borrowers who have less-than-perfect credit. Lower scores may result in higher APRs or smaller amounts. We'll show whatever options are available for your profile.
Yes. Self-employment income counts. You'll need to verify income through bank statements, tax returns, or other documentation if requested by the lender.
About 5 minutes. You'll typically receive a match decision within minutes of submitting.
No. Checking your rate uses a soft credit inquiry only — zero impact on your credit score. A hard inquiry only occurs if you choose to accept a specific lender's offer.
Your full name, date of birth, SSN, current address, employment information, gross annual income, and bank account routing and account numbers.
Yes. Our application is fully mobile-optimized. Complete the entire process on any smartphone or tablet.
Personal loans from $200 to $35,000, depending on lender availability and your qualifications.
Most lenders fund approved loans within 1–2 business days. Some offer same-day funding.
Many lenders in our network charge no prepayment penalty. Always confirm with the specific lender before accepting an offer.
None. Checking your rate is completely free. Any lender fees on funded loans are disclosed before you accept any offer.