Bread Financial announces new program with HP

Broader Access to Financing Options with ChargeAfter
Technology has fundamentally changed retail, giving customers more personalization and choice. However, financing at the point of sale is still limited⁴ and approximately half of applications are still declined⁵. The problem? Most merchants only integrate with one or two providers, leaving declined customers with no other choices.

With ChargeAfter's embedded lending platform, HP.com U.S. consumers can now access personalized financing choices from Bread Financial, Concora Credit and Koalafi. By providing some information on HP.com, nearly all U.S. customers are then matched with a suitable financing provider for their specific needs.

"We are excited to support HP's ongoing commitment to delivering exceptional point-of-sale financing that meets the evolving requirements of their customers and makes cutting-edge technology accessible to all," said Meidad Sharon, CEO and Founder of ChargeAfter. "This collaboration showcases ChargeAfter's role as a pivotal partner in revolutionizing point-of-sale financing for major retailers. We look forward to continuing our journey with HP, driving innovation and customer satisfaction together."

Private Label Credit Card and Buy Now, Pay Later
Bread Financial will initially offer a private label credit card and buy now, pay later options in 2025. Customers will first prequalify with Bread Financial on HP.com for all financing options with minimal customer data required.

"As a leader in promotional financing in the consumer technology vertical, Bread Financial is proud to extend our capabilities and seamlessly offer a tailored payments experience to HP's customers," said Val Greer, Executive Vice President and Chief Commercial Officer, Bread Financial. "We look forward to helping HP drive sales and empower their consumers with the right financing options for their specific needs."