Mattress Financing Options

Our financing is straightforward:

1. Choose your mattress — in store or online
2. Apply for financing — quick application, typically instant decision
3. Choose your term — 6, 12, 24, 36, 48, or 60 months depending on the promotion
4. Pay monthly — fixed monthly payments with 0% interest during the promotional period
5. Pay off early anytime — no prepayment penalties

We work with multiple lending partners to find options that work for a range of credit profiles.

Financing is smart when:

• You need a better mattress now but can't pay cash — Sleep quality affects daily health, energy, and productivity. Waiting months to save while sleeping poorly costs more in well-being.
• You want to buy up — 0% financing makes a $3,000 Tempur-Pedic or Stearns & Foster achievable at ~$83-125/month. The quality and durability upgrade often makes the math work.
• The 0% promotional period is available — During 0% periods, there's no cost to spreading payments out. You're borrowing for free.

Be careful: Make sure you can pay off the full balance within the 0% promotional period. After the period ends, standard interest rates apply to any remaining balance.

Shoppers often face this choice: buy a $700 mattress with cash or finance a $2,000 mattress at 0% for $56/month.

Consider the long view:

• A $700 mattress may last 4-5 years → $140-175/year
• A $2,000 mattress may last 10 years → $200/year, but with significantly better sleep quality and comfort
• The $2,000 mattress at 0% over 36 months costs $56/month — manageable for most budgets

Financing allows you to invest in quality that lasts rather than compromising on something you'll need to replace sooner. Pricing guide →