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chili payment options —
good for your wallet,
great for your sleep

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% 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 through our partner Bread.

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

Check your rate in seconds

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 90-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
  • Instant approval — No new credit line nor credit check
  • 0% interest — No late fees nor penalties
  • Credit card benefits — Collect your usual benefits like points, miles or cash back
  • Money Management — Better manage cash flow and credit line, while increasing credit score

additional payment methods also available



Chili is committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. 

Our goal is to enable all of our customers to successfully transact business through our website and access all of our digital offerings. 

We are actively taking steps and devoting resources to further enhance the accessibility of our website to meet applicable standards. 

This work is ongoing and as we continue to strive toward our goal of promoting accessibility, we welcome your feedback on how we might improve. 

If you have difficulty accessing any feature or functionality on this website please reach out to our customer service.


Thank you!