Why Our Customers Choose Financing With Us
No Hidden Fees. 0% Interest. 100% Financing. What you see at checkout is what you pay.
No Credit Needed
Our clients are not turned away simply because they have bad or no credit history.
Easy Application
Apply in minutes with our secure online application process.
Fast Approvals
We typically approve loans within 24 hours after an application has been completed.
Transparent Terms
Simple 0% interest financing. No hidden fees or early payment penalties.
Apply, Verify & Shop in 3 Easy Steps
Apply
Apply online through the secure online portal
Approve
Get approved for up to $10,000 within 24 hours
Shop
Start Shopping and your credit will be applied at checkout
What Do I Need To Apply?
Applying with 50|50 Pay is easy. All we ask is that you meet these four simple requirements:
Valid ID
A valid driver’s
license or State ID
Steady Income
Employed at current employer for at least 3 months
Direct Deposit
Direct deposit into your primary checking account
Checking Account
Checking account open for at least 3 months
Ready to Apply?
Ready for the best sleep of your life?
Start your application and get approved today.
Frequently Asked Questions

What is 50|50 Pay?

50|50 Pay is Brilliant Bed’s exclusive financing partner. 50|50 Pay offers simple and transparent financing for both online and in-store purchases at Brilliant Bed. With 50|50 Pay there are no gimmicks like deferred interest or hidden fees so the total you see at checkout is always exactly what you’ll pay. 50|50 Pay offers 100% financing to most of its borrowers, but may require a down payment of up to 50%.

What do I need to apply

  1. A valid driver’s license or State ID
  2. Your most recent, full paystub, dated within 30 days of the application date
  3. Verify your bank account through our secure online bank verification process or by providing your most recent 30-day bank statement

How do I start an application with 50|50 Pay?

You can apply in two simple ways:
  1. Click on the Apply Now button above. If you are a new customer you will need to create an account so that we can track your loan application at Brilliant Bed. Once you create an account you will be directed to the 50|50 Pay site to start a loan application. If you are a returning customer, you can login into your account and go to the My Loan Applications section and click on the create a new one or Manage My Account link, where you will be directed to the 50|50 Pay website.
  2. The second way to apply is through the checkout process. Once you reach the Payment Information section, you can select 50/50 Pay as a payment option. If you are a new customer you will need to create an account so that we can track your loan application at Brilliant Bed. Once you create an account you will be directed to the 50|50 Pay site to start a loan application.

What happens to my loan if I return my order?

If you return your order following Brilliant Bed's return policy your loan will be cancelled and any payments you made will be returned to you.

What if i have bad credit, can I still apply?

Yes! Whether you have poor credit from bankruptcy, no credit or bad credit scores, 50|50 Pay will take a holistic approach and evaluate consumers on a number of different criteria in order to make a credit decision. 50|50 Pay does not turn away individuals simply because they have bad or no credit.

What are the terms for financing?

For most of its borrowers, 50|50 Pay offers 0% APR, $0 down, 12 month term loans that are payable in equal installments. There are no application fees, late fees or prepayment fees. What you see at checkout is always exactly what you’ll pay.

Will 50|50 Pay charge me interest on my loan?

Nope. 50|50 Pay currently offers 0% APR financing to all of its borrowers.

Can i finance my whole purchase?

Yes. 50|50 Pay offers 100% financing to most of its borrowers.

Do I have to put a down payment?

No. For most of our borrowers, we do not require a down payment at all. In other words, we will finance 100% of your purchase price.

Do I have to pay off my loan in full before my item is shipped?

No! If you get approved for a loan then you be prompted to sign your loan documents which will complete your checkout process with Brilliant Bed.

Will my application with 50|50 Pay expire?

Approved applications expire after 21 days. If your application for credit expires before you use it, you can apply again.

+ What is 50|50 Pay?
+ What do I need to apply?
+ How do I start an application with 50|50 Pay?
+ What if i have bad credit, can I still apply?
+ What happens to my loan if I return my order?
+ What are the terms for financing?
+ Will 50|50 Pay charge me interest on my loan?
+ Can i finance my whole purchase?
+ Do I have to put a down payment?
+ Do I have to pay off my loan in full before my item is shipped?
+ Will my application with 50|50 Pay expire?
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