Be Money Confident with BreadSquared

Take The Next Step In Your Financial Journey

Your financial goals matter. Whether you’re planning ahead, consolidating debt, or funding something important—BreadSquared is here to help you move forward with confidence and clarity.

Personal Loan
Fast And Easy Funding
Vehicle Equity Loan
Tap Into your Car's Value
Homeowner Discount
Up To 20% Lower Rates

Personal Bank Accounts

Secure savings for personal use.

Personal Loan

Flexible financing for life’s expenses.

Business Loan

Smart solutions for business expansion.

Auto Loan

Smart auto financing, stress-free process.

Personal Bank Accounts

Secure savings for personal use.

Personal Loan

Flexible financing for life’s expenses.

Business Loan

Smart solutions for business expansion.

Auto Loan

Smart auto financing, stress-free process.

Business Bank Accounts

Separate business and personal finances.

Personal Credit Cards

Flexible payments for everyday purchases.

Business Credit Cards

Power your business spending smartly.

Trading Account

Fast, secure market investing platform.

Business Bank Accounts

Separate business and personal finances.

Personal Credit Cards

Flexible payments for everyday purchases.

Business Credit Cards

Power your business spending smartly.

Trading Account

Fast, secure market investing platform.

Simple, Stress-Free Loans Up to $50,000

Explore Personal Loans

Flexible financing for everything from debt consolidation to major life events—on your terms.

Wedding Loans

Make your special day unforgettable with funding that fits your budget and timeline.

Home Improvement Loans

Upgrade your space and boost your home’s value—without draining your savings.

Explore More Loan Types

At BreadSquared, we understand that life doesn’t fit into one box—and neither should your loan options. That’s why we offer a range of flexible, affordable solutions to meet your specific needs.

Moving Loans

Relocating can be stressful and expensive—but your finances don’t have to be.

Debt Consolidation Loans

Simplify your finances by rolling multiple debts into one fixed monthly payment.

Credit Card Consolidation

Tired of juggling high-interest credit cards? Consolidate them into one lower-rate loan

Auto Loan Refinance

Lower your monthly payment, reduce your interest rate, or pay off your car loan faster

Your Next Loan Is Just a Few Clicks Away

Check Your Rate

Complete a short, secure form in under 5 minutes to see your personalized loan options—without affecting your credit score.

Verify Your Info

Most applicants receive instant decisions. Just confirm a few details to move forward quickly and confidently.

Receive Your Funds

Once approved and signed, 99% of loans are funded within 1 business day, so you can take action without the wait.

Explore More Loan Types

At BreadSquared, we understand that life doesn’t fit into one box—and neither should your loan options. That’s why we offer a range of flexible, affordable solutions to meet your specific needs.

$1,000 – $75,000⁵

Personal loans

✅ Check your rate in just 5 minutes
✅ No prepayment penalties—ever
✅ Enjoy rates up to 33% lower than traditional lenders

Swap your car loan and save

Auto Loan Refinance

✅ Average yearly savings: $1,400
✅ Zero penalties for paying off early
✅ Fast rate check—takes just minutes

$26,000 – $250,000

Home Equity Line

✅ Check your offer in minutes
✅ Receive your funds fast
✅ Simple terms and competitive rates

$200 – $2,500

Short-Term Relief

✅ Transparent costs, APRs up to 36%
✅ Repay over 3 to 18 months
✅ Approval across a broad range of income levels

Let Us Answer Your Questions

What Exactly Is a Personal Loan and How Does It Work?

A personal loan is a fixed-term loan you can use for nearly any purpose—like paying off debt, funding a major expense, or handling unexpected bills. It’s typically unsecured, meaning you don’t need to provide any collateral like your car or home. While most BreadSquared loans are unsecured, in some cases, a vehicle may be used as collateral. Be sure to review your loan agreement for details specific to your offer.

How Does Auto Loan Refinancing Save Me Money?
Refinancing your car loan means replacing your existing loan with a new one—usually with better terms. This can result in a lower interest rate, a lower monthly payment, or a shorter repayment period. It’s a smart way to reduce how much you pay over time and free up room in your budget.
What’s the Difference Between Interest Rate and APR?
The interest rate is the percentage charged for borrowing the loan amount. The APR (Annual Percentage Rate) gives you the full picture—it includes the interest rate plus any additional fees (like origination fees). When comparing loans, always use the APR to understand the true cost of borrowing.
How Soon Can I Receive My Loan Funds?
Once your loan is approved and you accept the terms, most BreadSquared customers receive their funds within 1 business day. If the terms are accepted after 5 PM ET or on a weekend/holiday, your funds will typically arrive the next business day.
Will Checking My Rate Hurt My Credit Score?
No, checking your rate through BreadSquared triggers a soft credit inquiry, which does not affect your credit score. If you choose to move forward with your application, a hard inquiry will be performed, which may slightly impact your credit score.
Can I Pay Off My Loan Early Without Penalties?
Yes, absolutely. BreadSquared loans have no prepayment penalties. You can pay off part—or all—of your loan anytime without any extra fees. Doing so can also reduce the total amount of interest you’ll pay over time.

Browse Expert Tips And Resources

Top 5 Smart Ways to Use a Personal Loan

Top 5 Smart Ways to Use a Personal Loan

Consolidate High-Interest Debt Using a personal loan to pay off high-interest credit cards can save you thousands in interest. BreadSquared offers fixed rates that make monthly budgeting simple and...

read more

Explore Our Options

Relief Loans

Medical Loans

Home Loan