Bread Pay
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Awful Experience.
My credit score is like 825; hence, I've never been turned down for anything at all until I applied for a finance plan from Bread Pay because I didn't want to pay it all at once. I went through their ridiculous process including calling them 3 times, emailing them 4 times, and uploading my driver's license. As a result, for the work which lasted 2 hours, I was denied and had to pay for it all. Therefore, I have a perpetual negative opinion of Bread Pay and will never think of using it.