Consolidate your credit card debt into a Bread Loan!

Cannot have a Bread Loan previously. For additional terms, see below.*

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Loans Up To
$35,000*
Rates As Low As
5.99% APR*
Months
36-72*
Origination Fees
$0

All with no hard inquiry to your credit report at any step in the process.

A soft inquiry is used to check your eligibility, which won’t affect your credit score.

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How It Works

Step 1
1

Provide Your Info

Tell us how much you want to consolidate and provide some basic information about yourself – none of which will affect your credit score.

Step 2
2

Explore Loan Options

Find out how much debt you are approved to consolidate and how much your monthly payment can be.

Step 3
3

Consolidate Credit Card Debt

Set up the credit card balances you’d like to consolidate and finalize the length and APR of your new loan. Then, review and accept your loan agreement and finally, initiate your loan.

Respond To Offer Checking your rate will not affect your credit score
Respond To Offer

Checking your rate will not affect your credit score

Frequently Asked Questions

Ready to get started?

Respond To Offer Checking your rate will not affect your credit score.

* Subject to credit approval. Rates range from 5.99% to 19.99% APR. Bread Loans are offered only in 24, 36, 48, 60, or 72 month terms. Minimum loan amount is $1500. APRs will vary depending on credit qualifications, loan amount and term. You may only have one Bread personal loan. We are unable to consolidate balances from Comenity Bank or Comenity Capital Bank, creditors who are unable to accept payment electronically and require a paper check or non-U.S. creditor accounts. See Terms of Use for additional terms and conditions.

Bread personal loans are made by Comenity Capital Bank.