A man sleeping soundly while using a ResMed AirSense 11 CPAP machine, illustrating the comfort and quiet therapy available through CPAPmyway financing.

Finance Your CPAP Equipment: Use CareCredit Online at CPAPmyway

By Clay Rollyson

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Last updated

How to Use CareCredit online to purchase with CPAPmyway

At CPAPmyway, we partner with CareCredit to make sleep therapy more affordable through flexible monthly financing. CareCredit is a healthcare credit card that covers out-of-pocket costs and insurance gaps, allowing you to pay for machines and supplies over time. By using our dedicated online portal, you can apply or pay instantly, ensuring that upfront costs never stand in the way of the equipment you need.

💡 Did you know

You can often qualify for 6 to 12 months of 0% interest financing on CPAP purchases of $200 or more. Whether you already have an account or need to set one up today, the process only takes a few minutes.

Already a Cardholder? How to Pay CPAPmyway

  • Build Your Cart: Browse our site to select your Starter CPAP Bundle, Travel CPAP, or supplies, add them to your cart, and note the Grand Total (including taxes and shipping) so you have the exact amount ready to enter into the CareCredit portal. Be sure to include the extra supplies you may need. 
  • Click Our Dedicated Link: Visit our [Secure CareCredit Portal here].

  • Enter Purchase Amount: Input the total for your CPAP equipment or supplies. You will use the total amount from your cart here. You may also be required to provide an Invoice Number. You will use the last 4 digits of your phone number for this. 

  • Log In & Confirm: Enter your CareCredit details and choose your preferred financing promotion to complete the payment.

  • Notify Our Team: Once finished, email our team at cs@cpapmyway.com with your information and we will find your CareCredit confirmation and your cart details to process your order.

  • Important Note: You will not need to complete the checkout on our site. Once you process the payment on CareCredit you are finished. You will only need to build the cart on our site for the total. 

😍 We’ve simplified your setup with our all-inclusive Starter Bundles, which package the latest CPAP machine with a mask, tubing, and filters. These expert-curated kits ensure total compatibility and offer significant savings over buying parts separately—all of which are eligible for CareCredit financing.

How to setup CareCredit to finance CPAP Equipment

If you don’t have an account yet, don't worry—getting started is fast and simple. Our dedicated link allows you to see if you prequalify for a CareCredit card in seconds with no impact to your credit score. Once approved, you can use your account immediately to purchase your CPAP equipment and take advantage of budget-friendly monthly payments.

Follow the simple steps below to set up your account today:

  • Visit Our Application Link: Click [here] to go directly to the CPAPmyway application portal.

  • Check for Prequalification: Enter your basic information to see if you prequalify. This is a "soft pull," meaning it provides an instant decision without affecting your credit score.

  • Complete the Full Application: If prequalified, follow the prompts to finalize your application. You’ll need to provide your Social Security Number and monthly net income.

  • Receive Your Instant Decision: Most applicants receive an approval decision within seconds.

  • Start Shopping: Once approved, you’ll receive a digital account number immediately. You can use this number to pay CPAPmyway for a Starter BundleTravel CPAPor any other CPAP supplies!

  • Finalize Your Total: Before applying, make sure to add all necessary items—including replacement filters, cushions, or a backup battery—to your cart so your total includes everything you need for your therapy in a single, manageable financing plan.

Home CPAP vs Travel CPAP

Choosing the right CPAP depends on where you’re sleeping. While a home unit offers maximum comfort and quiet for nightly use, a travel machine provides the portability and battery options needed for life on the go. Because each excels in different settings, many of our customers invest in both—keeping a primary machine at the bedside and a portable unit ready for flights, camping, or hotels to ensure consistent therapy anywhere.

AirSense 11 above the features of a home CPAP machine.

Home CPAP Features:

  • Bulky; requires dedicated carry case.

  • Integrated water chamber. Offers Great Humidification.

  • Primarily AC wall outlets.

  • Typically 3–5 lbs.

  • Extremely quiet (whisper-soft).

  • Consistent, long-term nightly home therapy.

AirMini Travel CPAP above the Features of Travel CPAP Machines.

Travel CPAP Features:

  • Compact, ultra-light; often fits in the palm.

  • Waterless HME technology. Good for travel not as effective humidity.

  • Multi-source power: battery & DC.

  • Typically < 1 lb.

  • Slightly louder motor noise.

  • Flights, camping, hotel stays. Not typical for nightly use. 

Can I use CareCredit for everything on CPAPmyway?

Yes. You can use CareCredit to pay for your entire order, including machines, masks, tubing, filters, and even cleaning supplies. As long as you process the payment through our dedicated CareCredit portal, it covers your full cart total.

Does applying for CareCredit affect my credit score?

When you use the "Check if you Prequalify" feature on our site, it is a soft credit pull, which does not impact your credit score. If you choose to move forward and complete the full application, a standard credit inquiry will occur.

What financing promotions are available?

While promotions can vary, CareCredit often offers 6, 12, or 18-month "No Interest if Paid in Full" plans on purchases over $200. This is the perfect way to get your AirSense 11 or Starter Bundle today while spreading the cost over several months.

How do I get my receipt for the CareCredit payment?

Once you complete your payment through the CareCredit portal, you will receive an immediate confirmation and a transaction number. Please save this! You can email it to our team (cs@cpapmyway.com) so we can instantly link the payment to your CPAPmyway order.

Can I use CareCredit if I have insurance?

Absolutely. Many of our customers use CareCredit specifically to cover their high deductibles or to pay for items that insurance won’t cover—like a second travel CPAP or extra comfort supplies.

How fast can I use my account after being approved?

Immediately. If you are approved online through our link, you will be issued a digital account number right away. You don’t have to wait for the physical card to arrive in the mail to place your order with us.

This guide provides a clear, step-by-step walkthrough for using CareCredit to manage the costs of CPAP therapy at CPAPmyway. Whether you are looking to purchase an all-inclusive Starter Bundle, upgrade to a travel CPAP, or simply stock up on monthly supplies, this post explains how to utilize flexible financing to bypass high insurance deductibles and out-of-pocket hurdles.