From small emergency funds to larger consolidation loans — pick the amount that fits your need and budget.
All Bread Financial personal loans carry a fixed APR — locked at approval, never changes. Compare across loan amounts below.
| Loan Amount | Term Options | Rate Type | Collateral | Origination Fee | Prepay Penalty | Funding Speed |
|---|---|---|---|---|---|---|
| $200 – $999 | 24–36 months | Fixed APR | None | None | None | Next Business Day |
| $1,000 – $2,499 | 24–48 months | Fixed APR | None | None | None | Next Business Day |
| $2,500 – $3,999 | 24–60 months | Fixed APR | None | None | None | Next Business Day |
| $4,000 – $5,000 | 24–84 months | Fixed APR | None | None | None | Next Business Day |
*APR varies by creditworthiness, loan amount, and term selected. Loans issued by Comenity Capital Bank, Member FDIC, subject to credit approval.
100% unsecured — no car, home, or assets pledged. Your credit profile is the only thing evaluated.
Your APR is locked at approval and never changes. Same payment every month, no APR surprises.
Most applicants get an approve or decline within seconds of submitting — no days of waiting.
After e-signing your agreement, funds deposit directly to your bank account the next business day.
Pay off your loan early anytime — zero penalty. Extra payments reduce your balance immediately.
Bread Financial reports to all 3 bureaus — Equifax, Experian & TransUnion. On-time payments improve your score.
Don't confuse a legitimate personal loan with high-risk payday lending. Here's exactly how they differ.
Apply online in under 5 minutes. Instant decision. Funds as soon as tomorrow.
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