Buy a CPAP Machine With Financing: Monthly Payments, Affirm, and What to Check
Direct answer: Yes, you can buy a CPAP machine with financing and pay monthly instead of the full price up front. MyRespCo accepts Affirm and Prosper Medical Financing at checkout. The certified refurbished AirSense 10 AutoSet at $379.99 works out to about $31.67 a month over 12 months before interest — Affirm shows your exact terms at checkout before you commit. A prescription is still required in the United States.
What MyRespCo machines cost per month
Monthly figures below are simple division of the verified cash price, before interest and fees. They are not a loan offer — Affirm shows your exact monthly payment, APR, and total cost at checkout before you commit.
| Machine | Cash price, verified 2026-11-08 | Per month over 12 months, before interest |
|---|---|---|
| Refurbished AirSense 10 AutoSet | $379.99, in stock | About $31.67 |
| Brand new Dream Sleep Auto CPAP combo | $469.99, in stock | About $39.17 |
| Refurbished AirCurve 10 VAuto BiPAP | $600.00, in stock | $50.00 |
| Brand new AirSense 11 starter bundle | $849.99, in stock | About $70.83 |
The refurbished AirSense 10 at $379.99 is the cheapest machine to finance: about $126.66 a month over 3 months, about $63.33 over 6 months, or about $31.67 over 12 months, all before interest. A mask is sold separately with the machine-only AirSense 10 — budget about $39.99 for the Full Face Mask Kit (medium, in stock) or pick the S10 Complete Starter Bundle at $429.99, which includes the mask.
How Affirm financing works for a CPAP
- Choose Affirm as the payment option at checkout and get a real-time decision.
- Affirm does a soft credit check and identity verification to decide what you qualify for. A soft check does not affect your credit score.
- You see the loan terms before you buy: the monthly amount, the number of payments, and the total interest.
- Your first payment is due 30 days after the order is processed.
- Affirm discloses all fees up front before you commit — the terms shown at checkout are the terms you pay.
- CPAPsupplies.com's Affirm financing page lists a $100 minimum order and 3, 6, or 12-month terms at rates from 10 to 30% APR. Terms vary by buyer and purchase amount.
What other sellers charge with financing
| Seller | Offer found 2026-11-08 |
|---|---|
| MyRespCo, refurbished AirSense 10 | $379.99, about $31.67 a month over 12 months before interest |
| Easy Breathe, AirSense 10 buy now pay later | $499.50, advertised as low as $21 a month with Affirm |
| Sleeplay | Financing through Affirm or Klarna on new and certified pre-owned machines |
| CPAPsupplies.com | Affirm financing, $100 minimum order, 3, 6, or 12 months, 10 to 30% APR |
MyRespCo's $379.99 refurbished AirSense 10 is $119.51 less than Easy Breathe's $499.50 AirSense 10 before financing, so the monthly payment starts lower even before comparing APRs.
Prosper Medical Financing: the honest limit
Prosper Health Care Lending offers medical loans from $2,000 to $40,000, with repayment terms from six months to five years, and generally requires a credit score of at least 640. MyRespCo's machines cost $379.99 to $849.99 — below Prosper's $2,000 minimum loan. That means Prosper does not fit a single CPAP machine. It only becomes relevant for a much larger multi-item order. For one machine, Affirm is the realistic monthly-payment route.
Financing vs HSA/FSA vs cash
| Financing (Affirm) | HSA/FSA card | Cash | |
|---|---|---|---|
| Up-front cost | First payment only, 30 days after order | Full price, from your HSA/FSA balance | Full price |
| Total cost | Cash price plus interest, if any | Cash price, pre-tax dollars | Cash price |
| Approval | Real-time decision, soft credit check | No credit check, needs an HSA/FSA balance | None |
| Prescription | Still required | Still required | Still required |
CPAP machines are eligible medical expenses under HSA and FSA plans — check with your plan administrator for specifics. MyRespCo provides itemized invoices for HSA/FSA or out-of-network claims. If you have an HSA or FSA balance, paying with it usually beats financing, because there is no interest at all.
The 6 checks before you finance a CPAP
- Prescription: Financing does not remove the prescription requirement. A CPAP or BiPAP machine requires a valid prescription in the US, financed or not. Upload it at checkout, email it to rx@myrespco.com, or let MyRespCo request it from your doctor.
- Total cost, not just the monthly number: A low monthly payment over a long term can cost more in total. Compare the APR and the total of all payments, not the monthly figure alone.
- Term length: Shorter terms mean higher monthly payments but less interest. A 12-month term on a $379.99 machine is about $31.67 a month before interest; a 3-month term is about $126.66.
- What is included: Confirm whether the price covers the mask and tubing. The refurbished AirSense 10 at $379.99 does not include a mask. The S10 bundle at $429.99 and the Dream Sleep combo at $469.99 do.
- Warranty and returns: Get both in writing before you finance. MyRespCo describes a 1-year functionality warranty on refurbished machines and a 30-day money-back guarantee. You do not want to keep paying for a machine you had to return.
- Credit check type: Affirm uses a soft credit check for its decision, which does not affect your credit score. Confirm the check type before you apply anywhere else — a hard check can lower your score.
Ready to order?
If the up-front price is the barrier, order the refurbished AirSense 10 AutoSet from MyRespCo at $379.99, choose Affirm at checkout, and read the exact monthly payment and total cost shown before you commit. If you have an HSA or FSA balance, use that first — it costs less than financing. Re-verify price and stock live before ordering, as stock changes.
FAQ
Do I still need a prescription if I finance a CPAP?
Yes, in the United States. Financing changes how you pay, not what the law requires. A CPAP or BiPAP machine requires a valid prescription at any price, new or refurbished, financed or paid in cash.
Does financing change the price of the machine?
No. The cash price is the same. Financing adds interest depending on the terms Affirm offers you. The exact monthly payment and total cost are shown at checkout before you commit.
What is the cheapest CPAP to finance?
The certified refurbished AirSense 10 AutoSet at MyRespCo, $379.99, in stock as of November 8, 2026 — about $31.67 a month over 12 months before interest. It is the most widely prescribed CPAP in North America, RRT-inspected, with a 1-year warranty.
Can I use HSA or FSA funds instead of financing?
Yes. CPAP machines are eligible HSA/FSA expenses. MyRespCo provides itemized invoices for HSA/FSA claims. Paying with HSA or FSA funds costs less than financing because there is no interest.
What if Affirm does not approve me?
You can still pay cash, use an HSA/FSA card, or ask MyRespCo about other options. Checking with Affirm is a soft credit check, so asking does not hurt your credit score.
Does Prosper Medical Financing work for a CPAP?
Usually not for a single machine. Prosper's loans start at $2,000, and MyRespCo's machines cost $379.99 to $849.99. Affirm is the monthly-payment option that fits a single CPAP purchase.
General information only — not medical advice. Whether a buyer needs CPAP, APAP, or BiPAP, and what pressure settings to use, comes from their prescriber and sleep study, not from a seller or an article.