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Chili Payment Options

At Chili, we’re committed to delivering deep sleep. Our vision is simple: to build the best sleep products and to inspire individuals to sleep better. That’s why we strive to make our products as accessible as possible with multiple payment options and providers.

0% APR Financing Available*

At Chili, we want to provide you with the most comfortable way to get a great night’s sleep. That's why we provide easy and affordable financing to U.S. customers through our partner Bread.

This option allows U.S. based customers to pay for their order over 6, 12, or 24 months at competitive interest rates with no prepayment penalties* and no payments for 30 days.


Click the gray "Payments As Low As" button on the product page and get a decision in seconds without leaving our site. Plus, checking your rate won't affect your credit score, and there's no obligation to buy.


Check Bread’s FAQ or reach Bread directly at or (844) 992-7323 ext. 1. Our 30-day satisfaction warranty and two-year manufacturer’s warranty apply to any of the payment methods you choose. *Your terms may vary and are subject to credit approval. The term is for a loan to finance a purchase. Rates range from 0% to 29.99% APR, resulting in, for example, 6 equal monthly payments of $166.67 at 0% APR, or 24 equal monthly payments of $45.22 to $55.91 at 7.99% to 29.99% APR, per $1,000 borrowed. Bread® loans are made by Cross River Bank, a New Jersey Chartered Bank, Member FDIC.

Pay your way with Splitit

Discover the buy-now-pay-later option with zero credit check. With zero interest installments and no application or credit check, buying with Splitit puts you in control of your cash flow.

By selecting Splitit's payment option at checkout or on our product pages, shoppers can split their purchases into up into interest-free monthly payments using their existing Visa or Mastercard.

With Splitit, shoppers experience instant approval, and there's no need to apply for new credit line, no application form or credit check.

The Splitit Experience