I have used Affirm and Klarna for many years with zero issues. I used Bread twice and got approved twice. It was business as usual. I went to go use them a third time and they couldn’t verify my identity. They asked me a load of questions about who I did / didn’t know….
Bread attempts to enforce restocking fees when they not conditions of the Bread loan. Defending crooked companies that are partners of Bread. User’s recommendation: Files complaint with Federal Government cfpb https://www.consumerfinance.gov/complaint/.
I used Bread to buy my trailer hitch had no problems and approval was easy. I’ve paid them off. and ordered and am paying on 2 loans. On fixed income Bread made purchases possible. Recommend Bread
So all in all didn't so much have a problem.. but overall use a CC don't use Bread.. here is why.. I purchased a Brava Oven for $995 my payments were around $50.. their website is horrible making you use text messages to login, then their is almost no information on their website like how much interest...
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slow payment processing. breads letter “bread has made improvements to our mail in payment processing to ensure that payments are received,processed,and posted more quickly and efficiently” not my observation.
