Buy Mattresses Now, Pay Later

Did you know that you should replace your mattress every 5 to 7 years? The National Sleep Foundation says that good mattresses should last 9 to 10 years, but a study found that people sleep better and have less back pain when they switch every 5 years. I guess it's time to get a new mattress! But they are expensive.

Buy Mattresses Now, Pay Later

Luckily there are several finance options when it comes to buying mattresses. We have listed all of them plus the stores that allow you to buy a mattress now and pay for it over time with deferred billing options. Plus most online mattress stores offer free shipping and free in-home trial offers with free return shipping, too!

Financing Mattresses

There are hundreds of mattress companies out there and most offer financing of some sort. You can scroll down to see a list of all mattress stores that offer deferred billing, but for time's sake, here is Kim's top five list of merchants that sell mattresses with free shipping and let you make payments:

  1. Aslan Mattress – Finance your purchase for as low as $23 per month plus get a 365 night trial plus infinite warranty!
  2. GhostBed – Pay 0% down, 101 sleep trial and 20 year warranty. Pay over 6, 12, or 18 months for as low as 0% APR for as low as $75/month.
  3. Nest Bedding– Fall in love with where you sleep! 100 night in home trial, lifetime warranty and 0% APR available, payments as low as $45/month.
  4. Wink Beds– First handmade luxury hybrid mattress engineered for restorative sleep. Great reviews, 120 night risk-free trial, and payments as low as $200/month. 
  5. Yaasa– Get a free mattress with order of an adjustable bed! Or purchase a mattress for as low as $55/month. 100 night risk-free trial. Made in the USA. 


Mattress Stores That Accept Affirm Financing For Payment

Affirm is the most popular choice that mattress companies use for financing with over two dozen mattress companies that accept Affirm. There are no gimmicks like hidden fees or deferred interest, so the total amount that you see at checkout is the amount that you will actually pay. Choose a payment plan that works for you paying off your mattress in 3, 6 or 12 months.

  1. 2920 Sleep – Supportive mattresses
  2. Avocado – Green mattresses
  3. Bear Mattress – 100 Night Risk Free Trial
  4. BedInABox – The original Bed in a Box mattress!
  5. Brentwood Home – Mattresses & bedding
  6. Brooklyn Bedding – Mattresses, pillows & sheets
  7. Dream Cloud – 365 day trial period, Lifetime warranty!
  8. Dreamfoam Bedding – Affordable mattresses
  9. Eight Sleep – Smart mattress with 100 night trial
  10. Essentia – Healthy mattresses
  11. Eve Mattress – Mattresses with 100 day trial offer
  12. Ghost Bed – Mattress in a box
  13. Happsy – Organic mattresses
  14. Keetsa – Mattresses for every type of sleeper
  15. Layla Sleep – 4 month mattress trial offer. Read our Layla mattress review.
  16. Leesa – Best foam mattresses
  17. Majestic Beds – Mattresses, toppers, pillows, bases, foundations
  18. My Green Mattress – Organic mattresses
  19. MyPillow – Now sells mattresses plus awesome pillows
  20. Nature’s Sleep – Memory foam mattresses, toppers & pillows
  21. Nectar Sleep – 365 night trial + forever warranty. Read our Nectar mattress review.
  22. Nest Bedding – Organic mattresses, bedding & furniture. Read our Nest Bedding review.
  23. Newton Baby – Baby crib mattresses
  24. Novosbed – Memory foam mattresses
  25. PlushBeds – Luxury mattresses
  26. Purple – Comfortable mattresses
  27. Sleep Choices – Snuz mattress in a box
  28. Sleep EZ – Mattresses
  29. Wright Bedding  $200 off mattresses through our link
  30. Yaasa – Adjustable beds & mattresses
  31. Zinus – Affordable mattresses


Blispay offers no payments and no interest on purchases over $199 if paid in full within 6 months. Look for the Blispay option at checkout of these mattress companies.

  • Doze Beds – $25 off any mattress + free shipping + 75 night trial
  • Morphiis – Personalized sleep solutions
  • Qomfort Sleep – $100 off any mattress + free shipping + 100 night trial
  • Tender Sleep – Therapeutic magnetic therapy mattresses


“Pay by the slice” is Bread's motto. Bread is basically a straightforward installment loan for mattresses where you will know what each month’s payment is, and the total cost all before you buy. After you’ve make all your monthly payments, you’re done.

  • Amore Beds – Healthy Mattresses with 100-night risk-free trial
  • Aslan Mattress – 365 night trial + infinite warranty!
  • eLuxurySupply – Quality Bed and Bath products
  • Metta Bed – Mattresses handmade to order
  • Wink Beds – Premium Mattresses with 120-night risk-free trial

Inhouse Financing

The following mattress stores have their own financing options instead of using a payment processor. Most require no credit check either.

  • Montgomery Ward – Payments as low as $20 per month on Sensorpedic, Simmons, Sleep Comfort, Hawthorn, Allure, Lusso and more. Shop now!
  • Amazon – Get a free $50 gift card for applying and getting approved for their Amazon Rewards Visa Card that you can instantly apply towards new furniture plus earn 3% back on your Amazon purchase. Shop now!
  • Cocoon by Sealy – 0% APR for 12 months with equal payments; minimum $500 purchase required (or $299 minimum for 6 month option). Credit issued through Wells Fargo. Shop now!
  • HSN – FlexPay (the cost of your purchase is divided into 5 monthly payments on your debit or credit card) and Free Shipping is available on Simmons Beautyrest plush, firm, pillow top and more mattress sets. Shop now!
  • – No credit needed for their 90 day payment option on discount mattresses. Click “Financing” at bottom of page for more info. Shop now!
  • QVC – Buy a new mattress now and pay monthly at no extra charge when using any major credit card. Shop now!
  • Sleep Number – 0% interest for 36 months special financing on qualifying mattress purchases. Shop now!


Katapult offers customers a lease purchase option with no long term obligation. In some cases, one must select Affirm or Zibby at checkout for the Katapult payment option for these mattress companies:

  • Awara Sleep – Natural eco-friendly mattresses
  • Birch by Helix – World's coziest organic mattress
  • DreamCloud – Luxury hybrid mattress with 365-night trial and lifetime warranty
  • GhostBed Mattress – Supernatural comfort with cooling technology
  • Helix Sleep – Custom mattresses designed for every body
  • Level Sleep – Mattresses & pillows for back pain relief
  • Luma Sleep – Customizable hybrid latex mattresses
  • Nectar Sleep – Most comfortable mattress
  • Purple – Best mattress tech advancement
  • Wayfair – Wayfair sells mattresses and a zillion things home for all styles and budgets


Klarna is a payment provider that started in the UK, but has grown to include over 65,000 stores worldwide including 20 US mattress companies that accept Klarna.

  1. Eco Terra– 100% natural and organic
  2. Helix – Mattress with free trial & free shipping
  3. iSense Sleep – Different comfort levels for each side of the bed
  4. Latex for Less – 100% natural mattresses
  5. Live and Sleep – Non-toxic & eco-friendly memory foam mattresses
  6. Loom & Leaf – Best-priced luxury memory foam mattresses
  7. Luma Sleep – Mattress with 100 night trial
  8. Molecule – Lifetime warranty!
  9. Morphiis – Personalized sleep solutions
  10. Nolah Sleep – Bed in a box
  11. Nuvanna – Mattresses start at $550
  12. Puffy – Mattresses with 101 night trial
  13. Real Sleep – The mattress of your dreams
  14. Saatva Mattress – 0.00% APR for 6 months if paid in full
  15. Sweet Zzz – Affordable mattress with lifetime warranty
  16. The Hive Mattress – 100 night risk free trial
  17. Tomorrow Sleep – 365 night mattress trial

PayPal Credit

The following online stores all sell mattresses and accept PayPal Credit for payment. Simply choose PayPal when you checkout, then choose PayPal Credit to buy a mattress today and make payments for your purchase over time (PayPal Credit offers an interest free grace period).


Zibby is a “lease to own” payment option for people with low credit scores or no FICO scores, so you can rent to own a new mattress.

More Options

There are a few other finance companies also used by mattress companies.

Acima Credit, Community Finance, FuturePay and Snap Finance also are accepted at more mattress stores.

Can't find the mattress you're looking for? You can get a personal loan up to $2,500 deposited into your bank account to spend anywhere. Apply for free in minutes!

Now, do you need bedding for your new mattress? Buy bedding now, pay later.

Buy Mattresses Now, Pay Later
Buy Mattresses Now, Pay Later
Buy Mattresses Now, Pay Later

Buy Mattresses Now, Pay Later

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