Share your experienceShare
Companies A-Z Rankings Categories Problems By state Latest complaints Trends Compare Experiences Reports Guides Share your experience
Theme

Payday & personal loans

Bread Financial payday & personal loans complaints

Consumers have filed 536 complaints about Bread Financial's payday & personal loans, 116 in the last 12 months (+51%). Bread Financial answered 100% on time and closed 38% with relief. See the whole Bread Financial record.

Bread Financial against other personal & payday lenders

#Company12 monthsChangeOn timeReliefAll time
1Affirm2,316+167%100%0%4,371
2Paramount GR904+262%99.8%0%1,538
3OneMain Financial765+18%100%7%3,344
4Klarna652+212%94%13%1,034
5Block (Cash App)447+213%96.2%2%702
6Enova (CashNetUSA, NetCredit)434+7%100%0%2,775
7CCF Intermediate388-18%99.7%8%1,368
8Upgrade291+62%100%2%923
9Upstart276+35%99.6%2%910
10SoFi276+57%100%10%563
11Truist274+37%99.6%11%958
12Uprova Credit257+118%100%0%466
13Bread Financial (Comenity)116+51%100%38%536

Every lender ranked

Latest Bread Financial payday & personal loans complaints

ReceivedAboutIssueStateAnswerOn time
Feb 18, 2026Payday & personal loansProblem with a company's investigation into an existing problemProblem with personal statement of disputeWIExplainedYes
Feb 17, 2026Payday & personal loansProblem with additional add-on products or servicesPAExplainedYes
Feb 14, 2026Payday & personal loansProblem when making paymentsMAMoney backYes
Feb 6, 2026Payday & personal loansGetting the loanCTMoney backYes
Feb 2, 2026Payday & personal loansCharged fees or interest you didn't expectKYExplainedYes
Jan 30, 2026Payday & personal loansCharged fees or interest you didn't expectFLExplainedYes
Jan 22, 2026Payday & personal loansProblem when making paymentsTXFixedYes
Jan 17, 2026Payday & personal loansGetting the loanFLMoney backYes
Jan 15, 2026Payday & personal loansGetting the loanAKExplainedYes
Jan 12, 2026Payday & personal loansCharged fees or interest you didn't expectLAExplainedYes
Jan 11, 2026Payday & personal loansCharged fees or interest you didn't expectVAExplainedYes
Jan 9, 2026Payday & personal loansProblems receiving the advanceCAExplainedYes
Jan 3, 2026Payday & personal loansProblem with additional add-on products or servicesWAMoney backYes
Dec 31, 2025Payday & personal loansProblem when making paymentsMAMoney backYes
Dec 29, 2025Payday & personal loansCharged fees or interest you didn't expectLAMoney backYes
Dec 19, 2025Payday & personal loansGetting the loanCOExplainedYes
Dec 17, 2025Payday & personal loansProblem when making paymentsAZExplainedYes
Dec 11, 2025Payday & personal loansProblem with additional add-on products or servicesCAExplainedYes
Dec 11, 2025Payday & personal loansIncorrect information on your reportInformation belongs to someone elseGAExplainedYes
Dec 11, 2025Payday & personal loansCharged fees or interest you didn't expectNYFixedYes
Dec 8, 2025Payday & personal loansCharged fees or interest you didn't expectCAExplainedYes
Nov 29, 2025Payday & personal loansCharged fees or interest you didn't expectTXMoney backYes
Nov 25, 2025Payday & personal loansCharged fees or interest you didn't expectCAExplainedYes
Nov 24, 2025Payday & personal loansIncorrect information on your reportAccount status incorrectKYFixedYes
Nov 19, 2025Payday & personal loansProblem when making paymentsFLExplainedYes
Nov 17, 2025Payday & personal loansCharged fees or interest you didn't expectCAMoney backYes
Nov 12, 2025Payday & personal loansCharged fees or interest you didn't expectCOExplainedYes
Nov 12, 2025Payday & personal loansCredit limit changedCAExplainedYes
Nov 12, 2025Payday & personal loansGetting a line of creditTNExplainedYes
Nov 8, 2025Payday & personal loansCharged fees or interest you didn't expectVTExplainedYes

Your rights with personal & payday lenders

You can revoke permission for a lender to take automatic payments from your account by telling the lender and your bank. Many states cap interest or ban payday loans altogether, and the Military Lending Act caps most loans to active-duty servicemembers and their families at 36% APR.

Scam warning: A real lender never asks for a fee up front, a gift card or a "deposit" before sending a loan. Check the lender is licensed in your state.

General information, not legal advice; rules vary by state. Plain-English guides

Talk about Bread Financial

Be kind and stick to facts. No account numbers or other people's details. Rules

No comments yet. Start the conversation - questions are welcome too.

Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works

Check the record before you sign.

Then add to it. Every experience you share - good or bad - goes on that company's record and helps the next person decide. Two minutes, anonymous.

Share your experience