Sleep Now, Pay Later

Affirm is a financing alternative to credit cards and other credit payment products. Affirm offers real-time financing for purchases online. With Affirm, you can buy and receive your purchase now, and pay for it in fixed monthly installments.

Here is what Affirm offers:

• Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget. If Affirm approves you for a loan, Affirm discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. Affirm does not charge hidden fees.
• The application process is secure and in real-time. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
• The application process is secure and immediate. Affirm asks you for a few pieces of information. After you provide this information, Affirm will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
• You don’t need to have a credit card to make a purchase.
• Affirm bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for Affirm financing even if you don’t have an extensive credit history.
• Affirm will send you email and SMS reminders in advance of your upcoming payment. You can also enable "Autopay" to schedule automatic monthly payments on your loan.

Affirm will ask you for a few pieces of personal information: your name, email, mobile phone number, date of birth and the last 4 digits of your social security number. Affirm uses this information to verify your identity and make an instant loan decision. Affirm will base its loan decision not only on your credit score, but on several other data points about you. This means you may be able to obtain financing from Affirm even if you don't have an extensive credit history.

Yes. When you first create an Affirm account, they will perform a ‘soft’ credit check to verify your identity and determine your eligibility for financing. This soft credit check will not affect your credit score.

Before each payment is due, Affirm will send you reminders via email and SMS that will include the installment amount that is coming up and the due date. You can also sign up for autopay so you don’t risk missing a payment.

• Go to www.affirm.com/account
• You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
• Enter this security pin into the form on the next page and click "Sign In".

You’ll now see a list of your loans and payments coming up. Click on the loan payment you would like to make. You can make a payment with a debit card or ACH bank transfer.

Affirm loans vary between 0% and 30% APR with simple interest. The corresponding finance charge is the only fee associated with an Affirm loan. Affirm does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees.

PayBright is a financing alternative to credit cards and other credit payment products. PayBright offers real-time financing for purchases online. With PayBright, you can buy and receive your purchase now, and pay for it in fixed monthly installments.

Here is what PayBright offers:

• Buy and receive your purchase now, and pay for it over time. This allows you to split up the price of your purchase into fixed payment amounts that fit your monthly budget. If PayBright approves you for a loan, PayBright discloses your loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments you must make, and the total amount of interest you’ll be paying over the course of the loan. PayBright does not charge hidden fees.
• The application process is secure and in real-time. PayBright asks you for a few pieces of information. After you provide this information, PayBright will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
• The application process is secure and immediate. PayBright asks you for a few pieces of information. After you provide this information, PayBright will notify you of the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan, all within seconds.
• You don’t need to have a credit card to make a purchase.
• PayBright bases its loan decision not only on your credit score, but also on several other data points about you. You may be eligible for PayBright financing even if you don’t have an extensive credit history.
• PayBright will send you email and SMS reminders in advance of your upcoming payment. You can also enable "Autopay" to schedule automatic monthly payments on your loan.

PayBright will ask you for a few pieces of personal information: your name, email, mobile phone number, date of birth and the last 4 digits of your social security number. PayBright uses this information to verify your identity and make an instant loan decision. PayBright will base its loan decision not only on your credit score, but on several other data points about you. This means you may be able to obtain financing from PayBright even if you don't have an extensive credit history.

Yes. When you first create a PayBright account, they will perform a ‘soft’ credit check to verify your identity and determine your eligibility for financing. This soft credit check will not affect your credit score.

Before each payment is due, PayBright will send you reminders via email and SMS that will include the installment amount that is coming up and the due date. You can also sign up for autopay so you don’t risk missing a payment.

• Go to www.paybright.com
• You will be prompted to enter in your mobile number where you will be sent a personalized security pin.
• Enter this security pin into the form on the next page and click "Sign In".

You’ll now see a list of your loans and payments coming up. Click on the loan payment you would like to make. You can make a payment with a debit card or ACH bank transfer.

PayBright loans vary between 0% and 30% APR with simple interest. The corresponding finance charge is the only fee associated with a PayBright loan. PayBright does not charge late fees, service fees, prepayment fees, APR penalties or any other hidden fees.

Splitit is a payment method solution that allows you to pay for purchases with an existing credit card by splitting the cost into interest- and fee-free monthly payments, without additional registrations or applications.

At the time of purchase, you will only be charged for your first payment. The remaining balance will be held on your credit card until the final payment is made. After each monthly payment, the amount held from the available balance will be reduced to the new remaining balance.

Paying with Splitit is always 0% interest and there are never any late fees.

Each month, your credit card statement displays the installment charge amount for that month, along with the merchant name. You will also see the authorization/hold for the outstanding amount dropping by one installment, every month. In addition, Splitit will email you after each successful installment charge.

*Note that the held amount might show as ‘pending transaction’ on your credit card statement.

If you pay with a Splitit installment plan there is no impact on your credit score. The bank simply sees the individual installment charges each month. If one of your payment authorizations is declined, there is still no effect on your credit rating; it is simply a declined charge.

Katapult is a No Credit Required lease-to-own payment option by which GhostBed customers can make monthly payments to pay for their purchase instead of paying for it in full at checkout. Katapult is available to everyone, and customers with little or no credit or customers with credit challenges will benefit most by using Katapult.

Lease-to-own means that you make recurring payments to use your GhostBed products. You have no long-term obligation to continue leasing and can return the product to Katapult at any time with no further obligation other than for amounts past due.

Since you are a returning guest, your items will still be in your GhostBed shopping cart. Double check you've got everything you want and click checkout to get started:

• Confirm your address and contact information. Click continue.
• Review your chosen shipping method. Click continue to move on.
• Next is the most important step: select Affirm as your payment information. This is where you'll access your Katapult Pre-approval. Click continue to proceed.
• To locate your Katapult pre-approval, enter your mobile telephone number and click continue. Make sure the number you enter is the same one you used to apply originally.
• You'll receive a verification code via text message to that mobile number. Enter the code on the screen.
• You'll then see your Katapult offer. To move forward, click “Checkout with Katapult.”
• Confirm your paydays to make sure you are set up for on-time payments. Click next.
• You'll then have an opportunity to review your early buyout options. This is a great tool to show you how much you can save! Click next when you're ready to move on.
• You are now ready to enter your card information for your first payment. Review the disclosures and your Katapult lease agreement. We know it’s a lot of information, but it's important to us that you know what you're getting! Once you've reviewed everything, click “Agree.”
• Now that you've reviewed and agreed to the Katapult lease agreement, click “Pay $45” and confirm to electronically sign the lease agreement and process the card.

If you have additional questions, connect with a Katapult agent by calling 1-833-KATAPULT (1-833-528-2785).

You will pay $45 and any applicable shipping fees today. All fees are refundable within the first 30 days of purchase if ALL products are returned to GhostBed. Once outside the first 30 days all payments are non-refundable, but you can return your item to Katapult if your account is in good standing.

If Affirm is not able to you, you will see a screen inviting you to apply with Katapult. Click “Checkout with Katapult” to enter some additional information for your application.

Yes. Every time you create a new lease you would have to pay the $45. Katapult would consider this a new lease with its own terms and pay dates.

Please ensure that you are not downloading the document. Scroll to the bottom of the document inside of the webpage. Once you have scrolled completely to the bottom, the "Agree" button should turn green.

If this doesn’t work, try launching the site inside a Google Chrome browser on a desktop or laptop device. You can also try using desktop mode on your mobile device.