BredaBeds & Affirm have partnered to offer instant financing at checkout. Affirm offers clear terms with no hidden fees or gimmicks, the total you see in checkout is always what you'll actually pay. With flexible monthly payments, rates starting at 0% for qualified buyers and an easy application, you can feel confident that there's no better way to finance your BredaBeds purchase. Prequalifying just takes a minute and won't affect your credit score. The checkout process is quick and secure, you can checkout as normal and you'll know the loan details before even submitting your order. Find out what works best for you - Affirm offers 3,6,12,18,24, and 36 month financing depending on order total. Your rate will be 0% APR or 10–30% APR based on credit, and is subject to an eligibility check. For example, on a $1,092 purchase, you might pay $96.08 per month for 12 months at 10.14% APR. Payment options depend on your purchase amount, and a down payment may be required. Affirm loans are made by Cross River Bank, Member FDIC.
How do I checkout with Affirm?
Visit any one of our product pages for our murphy beds or mattresses. You'll notice Affirm will list a "starting at" monthly price with a link to prequalify or receive more information. The starting price is calculated on the base price of the product without any upgrades and the longest loan term for that price.
Once a product is configured, you can add it to your cart along with any other products you'd like to add to your order, then proceed to checkout.
During "Step 3" (billing information) of the checkout, you'll have the option to select Affirm. Selecting "place order" WILL NOT complete your order, instead you'll be redirected to the Affirm qualification/application page. Until this process is completed, you'll always have the option to return to BredaBeds website and complete the order with another payment method if you'd like.
Will financing affect shipping or delivery times?
Financing with Affirm will not affect shipping or delivery times. You'll receive an order confirmation after you place your order along with shipping and delivery estimates.
Who will I make payments to?
Affirm will facilitate payments, but the actual lender is Cross River Bank, Member FDIC. You will NOT make any payments to BredaBeds.
If needed, will I be eligible for refunds or returns?
Yes, BredaBeds can issue refunds or returns (see or policies page) as needed. While you're waiting for your refund, be sure to make monthly payments that are due. If the refund is less than the balance, it might not lower your next monthly payment, but instead you can expect fewer monthly payments, smaller final payment or both. If your refund is more than the balance, you can get back the difference, minus any paid interest.
What information do I need to apply for financing?
The Affirm checkout will guide you through the process and all information required. Required information will vary at times, but in general you'll need: Name, email address, mobile phone number, date of birth, and the last four digits of your social security number. Affirm will use this information to verify your identity and make instant loan decisions. Affirm bases its loan decision not only on your credit score, but also on several other data points. This means that you may be able to obtain financing from Affirm even if don’t have an extensive credit history.
What's the catch with 0% APR?
There's no catch and no hidden fees or costs that you'll pay.