Apply Online
Shop & Receive Product
Pay Over Time
Quick & Easy
Fill out a short application. Verify your information. Get approved in minutes.
Transparent Terms
0% APR financing. No Hidden Fees. What you see at checkout is what you pay.
Safe & Secure
Our financing platform is designed to protect your personal information.
Save with Brilliant Bed
Example Price: $1,000.00
Brilliant Bed
Credit Cards
Interest Rate
0%
29.99%
Interest & Fees
$0.00
$170.00
Total Cost
$1,000.00
$1,170.00
Savings with Brilliant Bed:   $170.00
Applying online is Easy

All we ask is that you have the following:

  • A valid driver's license or state ID
  • At least 2-month income history with current employer
  • Direct deposit into your primary checking account*
  • Checking account open for at least 2 months and in good standing**
*Cannot be a prepaid debit card or an online checking account
**In good standing means no excessive overdrafts, NSFs or negative balances
Ready to Apply?
Ready for the best sleep of your life?
Start your application and get approved today.
See What Customers Say About Us
  • Tiana C.
    Financing was a breeze, and service was above and beyond!
  • Derrick T.
    Great customer service from beginning to end. Financing options are very flexible.
  • Jackie T.
    Even with no credit history, I was still able to get a loan at 0% interest. I’m so happy about it!
Frequently Asked Questions

How does LendFirm® make money if it charges little to no interest?

LendFirm® and Brilliant Bed are partner companies. Like most retailers, we source our products at wholesale prices and offer them at competitive retail prices. We make our “interest” by sourcing our products at wholesale prices and offering them at competitive retail prices. By partnering directly with LendFirm® we can offer little to no interest financing to our customers.

What are the terms?

Interest rates as low as 0.00% for 12 months. There are no origination fees or prepayment penalties. What you see at checkout is what you pay.

Do I have to put a down payment?

For most of our borrowers, we do not require a down payment at all. For some borrowers, 50|50 Pay may require a down payment from 5% to 20%.

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

LendFirm® does not turn away individuals simply because they have bad or no credit. LendFirm® will take a holistic approach and evaluate consumers on a number of different criteria in order to make a credit decision.

+ How does LendFirm® make money if it charges little to no interest?
+ What are the terms?
+ Do I have to put a down payment?
+ What if i have bad credit, can I still apply?
Secure & Safe
Monday - Friday 10AM to 6PM CST
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