Skip to main content
Back to Press & News
Partnerships May 7, 2024

Bread Financial™ now offering Bread Pay™ installment loans through PayTomorrow platform

Lockup of PayTomorrow and Bread Financial logos, with dark blue background and Bauhaus elements.

Platform offers consumers a seamless in-store and online experience to finance purchases with Bread Pay at their favorite merchants and retailers

COLUMBUS, Ohio - May 7, 2024 - Bread Financial™ (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced it will offer installment loans through PayTomorrow, a financial technology company that provides a premier waterfall financing platform.
PayTomorrow’s single source platform uses a multi-lender approach to provide customers with accessible and affordable financing options. Participating merchant and retail partners integrate the PayTomorrow platform at the point of sale, giving customers access to multiple installment loan providers, including Bread Pay™, as well as Lease-to-Own and Lease-to-Loan providers. Additionally, the platform is available both online and in-store, allowing customers more flexibility across financing options and shopping channel of choice.
“Bread Financial is proud to be working with PayTomorrow to give retailers more options for their customers to seamlessly finance their purchases,” said Val Greer, executive vice president and chief commercial officer, Bread Financial. “We have data indicating nearly half of consumers have abandoned purchases because a retailer didn’t offer a preferred type of financing¹ so having these options at the point of sale is critical for brands. We are pleased about this latest move to further diversify our product mix by offering our Bread Pay installment loans through the PayTomorrow platform and look forward to working together to help drive our mutual success.” 

Bread Financial is proud to be working with PayTomorrow to give retailers more options for their customers to seamlessly finance their purchase."

Val Greer - Executive Vice President & Chief Commercial Officer, Bread Financial

"We are excited to welcome Bread Financial to the PayTomorrow platform,” said Tony Amitrano, chief revenue officer, PayTomorrow. “Having the Bread Pay product available to our retailers will help us further our mission to make financing simple for consumers to address their needs without financial constraint.”
The Bread Pay product is available at several retailers today through the platform with additional integrations planned. 

¹Research methodology: Sample of 4,772 consumers participated in the Retailer’s Playbook for Financing Tools study conducted by Bread Financial through an online quantitative survey that took place Sept. 12-14, 2023.

About PayTomorrow

PayTomorrow is a trusted financial waterfall provider enabling businesses, both in-store and online, to provide consumers with multiple financing and flexible payment solutions through a single application at the point of sale. PayTomorrow’s unique technology aligns lenders with customers, ensuring customers receive the best available offer based on that specific customer’s credit profile, helping customers access financing and helping merchants maximize sales. PayTomorrow integrates into most off-the-shelf eCommerce platforms, custom platforms/shopping carts, in-store POS systems and standalone applications. 

About Bread Financial™

Bread Financial™ (NYSE: BFH) is a tech-forward financial services company providing simple, personalized payment, lending and saving solutions. The company creates opportunities for its customers and partners through digitally enabled choices that offer ease, empowerment, financial flexibility and exceptional customer experiences. Driven by a digital-first approach, data insights and white-label technology, Bread Financial delivers growth for its partners through a comprehensive suite of payment solutions that includes private label and co-brand credit cards and Bread Pay™ buy now, pay later products. Bread Financial also offers direct-to-consumer products that give customers more access, choice and freedom through its branded Bread Cashback American Express® Credit Card and Bread Savings™ products.

Headquartered in Columbus, Ohio, Bread Financial is powered by its approximately 7,000+ global associates and is committed to sustainable business practices. To learn more about Bread Financial, visit or follow us on Facebook, LinkedIn, Twitter/X and Instagram.