Pay over time at CPAP.com

CPAP.com is an online store for CPAP machines, masks, supplies and sleep apnea gear. We confirmed Affirm and Shop Pay Installments here.

Ways to pay over time

Options and terms can change and depend on your credit. Confirm at checkout before you accept.

Pay later

Affirm

Minimum purchase
Often $50
APR
0% to 36%
Credit check
Won't affect your score

Checked Nov 10, 2026 We saw Affirm at the store’s checkout

Store offer, minimum and plan lengths are from CPAP.com’s website. APR and credit check are Affirm’s general terms.

All Affirm stores and terms

Pay later

Shop Pay Installments

Minimum purchase
$50 for Pay in 4
APR
0% to 36%
Credit check
No impact to apply

Checked Nov 10, 2026 We saw Shop Pay Installments at the store’s checkout

Store offer, minimum and plan lengths are from CPAP.com’s website. APR and credit check are Shop Pay Installments’s general terms.

All Shop Pay Installments stores and terms

Takes PayPal

PayPal (Pay Later inside PayPal)

CPAP.com takes PayPal at checkout. We didn't see Pay Later advertised on its site, but for eligible US orders Pay in 4 usually shows inside the PayPal window. Check there before you rely on it.

Checked Nov 10, 2026

PayPal Pay Later terms and stores

What a plan could cost

Example: ResMed AirTouch F40 Full Face Mask - Small-Wide / Standard at $172.00 (price on Nov 10, 2026), paid monthly over 12 months with Affirm financing, where the store offers it.

Shop Pay Installments Pay in 4: 4 payments of $43.00 every 2 weeks, with no interest if you pay on time.

APRMonthlyTotal paidInterest
0%$14.33$172.00$0.00
19.99%$15.93$191.19$19.19
36%$17.28$207.35$35.35

For illustration only, before tax and shipping. Your APR depends on your credit and the plan. 0% APR is only possible if the store runs a 0% offer and you qualify.

How to pay over time at CPAP.com

  1. Add what you want to your cart on cpap.com.
  2. At checkout, choose Affirm or Shop Pay Installments. Shop Pay Installments shows as Shop Pay: choose it, then pick installments.
  3. Each one runs its own check. The cards above show which use a soft check and which can affect your credit.
  4. Compare the plans and the total cost, then accept only if the total works for you.

Questions about CPAP.com financing

Does CPAP.com offer financing?

Yes. We confirmed Affirm and Shop Pay Installments at CPAP.com on Nov 10, 2026. Options can change, so check at checkout before you buy.

Will checking my rate at CPAP.com affect my credit score?

Checking your plans with Affirm does not affect your credit score. If you take a loan, Affirm reports it to Experian, including Pay in 4.

Can I use Affirm in a CPAP.com store?

We checked online shopping at CPAP.com only. If the store has physical locations, ask there whether financing is available.

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