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Affirm Frequently Asked Questions

Frequently Asked Questions About Bread

Bread does a soft credit check, which will not impact your credit score.

Yes, Bread reports repayment information to TransUnion.

You can make payments on your loan via your bank account, personal debit card, or mailed check. You can also set up automatic bill pay with your issuing bank.

To make a payment online, visit and enter the mobile phone number associated with your Bread account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

To make a payment by check or set up automatic bill pay with your bank, please refer to the address below:

c/o Bread
PO Box 783186
Philadelphia, PA 19178-3186

Please be sure to include your loan number on any checks mailed or any payments set up through your bank.

Once you have taken out a loan, Bread may report repayment information about your account to the consumer reporting agencies, which may impact your credit score. In some instances, we may also obtain your credit profile from a smaller credit reporting agency, SageStream.

You will not be able to adjust loan terms selected after you have checked out.

U.S. residents over the age of 18 (or over 19 for Alabama or Nebraska residents) are eligible, provided your identity can be verified.

Check Bread’s FAQ or reach Bread directly at or (844) 992-7323 ext. 1

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Additional Information

*The terms are for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 18 equal monthly payments of $55.56 at 0% APR, or 18 equal monthly payments of $59.14 to $69.67 at 7.99% to 29.99% APR, per $1,000 borrowed. Your terms may vary and are subject to credit approval. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.

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