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.
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
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
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 50|50 Pay make money if it offers 0% APR?

50|50 Pay and Brilliant Bed are partner companies. Like most retailers, we source our products at wholesale prices and offer them at competitive retail prices. We offer 0% APR financing to help our customers make their purchases more affordable.

What are the terms?

0% APR 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?

50|50 Pay does not turn away individuals simply because they have bad or no credit. 50|50 Pay will take a holistic approach and evaluate consumers on a number of different criteria in order to make a credit decision.

+ How does 50|50 Pay make money if it offers 0% APR?
+ 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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