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AI-powered, fully digital lending experience

Safely grow your customer base and expand lending with more precise credit decisioning

Get your rate quickly and safely—no effect on your credit
Receive your funds in as little as 1 business day

Absolutely no hidden fees or prepayment penalties

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Power Your Growth with These Benefits

Expand Your Member Base

Attract high-quality borrowers with strong financial profiles and build lasting relationships that deliver long-term value for your institution. Gain new households with the right attributes and turn them into loyal.

Drive Consumer Loan Volume

Expand your consumer loan portfolio with confidence. Tap into personal loans, HELOCs, and auto lending to diversify your offerings, increase yield, and manage risk with greater predictability.

Modern lending, simplified

Give consumers the power to borrow anytime, from anywhere—with a seamless digital experience that eliminates delays.oans can be originated in minutes, not days.

Personal Lending Made Simple—Powered by BreadSquared

Grow your loan portfolio and attract more qualified borrowers with the BreadSquared Referral Network. Our platform connects you with prime applicants who align with your credit requirements—helping you expand your member base and drive smarter lending decisions.

Modernize HELOC Lending with BreadSquared

Grow a high-performing, low-risk portfolio with BreadSquared HELOC solution.
Our seamless digital experience helps homeowners easily access their equity—driving high loan utilization, immediate interest income, and attracting new prime members to your institution.

Modernize HELOC Lending with Upstart

Grow a high-performing, low-risk portfolio with Upstart’s HELOC solution.
Our seamless digital experience helps homeowners easily access their equity—driving high loan utilization, immediate interest income, and attracting new prime members to your institution.

BreadSquared Auto Refi Platform for Today’s Lenders

Grow your secured loan portfolio with BreadSquared turnkey digital auto refinance solution.
We deliver prime borrowers with proven payment histories and manage the entire process—from application to lien perfection—helping your institution gain high-performing loans and valuable new members with minimal overhead.

BreadSquared Auto Retail Lending Platform for Dealers

Expand your auto portfolio profitably with BreadSquared Auto Retail Lending.
Gain direct, easy access to auto loans originated at BreadSquared-powered dealerships—without the cost or hassle of managing dealership relationships.

Upstart’s Auto Retail Lending Platform for Dealers

Expand your auto portfolio profitably with Upstart Auto Retail Lending.
Gain direct, easy access to auto loans originated at Upstart-powered dealerships—without the cost or hassle of managing dealership relationships.

Experience dramatically enhanced results

10-31%

Net annualized returns exceeding the industry average

2.3X

Enhanced risk separation beyond FICO

81.3 + NPS

Compared to an NPS of 75 from other financial service providers

We’re here to answer your questions

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

A personal loan is a fixed-term loan that can be used for almost any purpose—such as consolidating debt, covering large expenses, or managing unexpected costs. These loans are typically unsecured, so no collateral like a car or home is required. While most loans from BreadSquared are unsecured, some offers may require a vehicle as collateral. Be sure to review your loan agreement for the specific terms of your offer.

How Does Auto Loan Refinancing Save Me Money?
Refinancing your car loan involves replacing your current loan with a new one—typically with more favorable terms. This could mean securing a lower interest rate, reducing your monthly payment, or shortening your repayment period. It’s a strategic way to save money over time and create more flexibility in your budget.
What’s the Difference Between Interest Rate and APR?
The interest rate is the percentage you’re charged for borrowing the loan amount. The APR (Annual Percentage Rate) offers a more complete view—it includes the interest rate plus any extra fees, such as origination fees. When comparing loan offers, looking at the APR gives you the most accurate understanding of the total 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 one business day. If you accept the terms after 5 PM ET or on a weekend or holiday, the funds are typically deposited on the next business day.
Will Checking My Rate Hurt My Credit Score?
No, checking your rate with BreadSquared results in a soft credit inquiry, which does not affect your credit score. However, if you decide to proceed with the full application, a hard credit inquiry will be conducted, which may have a small impact on your credit score.
Can I Pay Off My Loan Early Without Penalties?
Yes, absolutely. BreadSquared loans come with no prepayment penalties, meaning you can pay off part—or all—of your loan at any time without any extra fees. Paying early can also help you save on interest over the life of your loan.

Ready To Get Started?

Get the financial support you need—quick, simple, and reliable. BreadSquared is here to help you move forward with confidence.

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