How to Get CPAP Financing for Worry-Free Sleep?

CPAP financing helps you pay for the CPAP equipment you need without stressing about the upfront cost. Your personal health and well-being should always come first. With that in mind, The CPAP Shop has made paying for your CPAP machine and accessories over time easier than ever thanks to our partners at Bread. Just fill out a simple, quick application to see if you qualify. 

The Benefits of Buying CPAP using a finance option include: 

Easy to Manage Repayment 

Our financing partners will craft a payment plan that fits your budget. You can start using your CPAP machine right away while making easy, manageable payments you can afford.

Safe & Secure

All CPAP machine financing is safe and secure, using encryption for all online data transmissions.

What About Refunds?

The customer service team at The CPAP Shop is trained on all our products and can help you choose the right product to fit your individual needs. This can save you the hassle and inconvenience of needing to make a return.

That said, if the product does not fit your needs, we may be able to help. The CPAP Shop honors all manufacturer warranties and will work to get defective items fixed or replaced on your behalf. Non-defective and unopened/unused machines or batteries can be returned within 15 days. If you are not 100% satisfied with your mask purchase, you can receive a full refund in 30 days under our 30-Day Mask Guarantee. 

Read our full Return Policy.

Peace of Mind

Our goal is to provide peace of mind with CPAP financing. We strive to make the process easy and worry-free so you can focus on beginning your CPAP compliance as soon as possible. 

Type of CPAP Products You Can Buy via Financing:

CPAP Machines 

We offer CPAP financing on all CPAP machines. Shop for a home or travel CPAP machine from top manufacturers, including ResMed, Respironics, and Fisher & Paykel.

BiPAP Machines 

If your doctor prescribes CPAP with high-pressure settings or you have low oxygen levels, you can find a wide selection of BiPAP machines with easy financing. 

CPAP Masks 

In addition to financing CPAP machines, you can apply for a monthly payment plan to cover the ocst of your CPAP mask purchase. The CPAP Shop offers a large inventor of popular full-face, nasal and nasal pillow CPAP masks along with other hybrid masks and accessories to fit your needs. 

CPAP Cleaners 

Because keeping your CPAP mask and hose clean and sanitized is important, we’ve made financing available on some of the most popular CPAP sanitizers. Make low monthly payments on the Sleep8 CPAP Sanitizer or the SoClean2 CPAP Cleaner and Sanitizing Machine

CPAP Batteries

If you travel frequently, then you may rely on CPAP batteries to stay complaint with PAP therapy wherever you go. All CPAP batteries from the CPAP Shop can be included into a financing plan. 

CPAP Supplies 

Your financial plan can also equip you with all your essential CPAP supplies. From filters to tubing and headgear, we can help structure a finance plan that provides you with everything you need in low monthly payments.

CPAP Accessories

Don’t forget other CPAP accessories. While shopping for your CPAP machine you may find helpful extras to make your PAP therapy more comfortable. Our financing has got you covered.

Features of CPAP Financing Offered 

With your CPAP financing you get:

  • Easy-to-understand, transparent terms
  • Fair rates
  • No prepayment penalties
  • 0% APR available for 6-month financing*
  • Affordable monthly plans
  • A quick and easy application process

Get Your Rate Today.

Still Have Questions About CPAP Financing?

Visit our financing page for more information. As always, our customer service team is here to help answer any questions. We can be reached at 866.414.9700 or via email at

Chris Vasta

Chris Vasta is the president of The CPAP Shop and an expert in sleep and respiratory therapy. He often provides insights on product design and functionality on various manufacturers’ prototypes and is frequently tapped to provide reviews on new releases.