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Buy Mattresses Now, Pay Later

Buy Mattresses Now, Pay Later

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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.

Since mattresses are a big investment we’ve rounded up the best ways to finance your next mattress purchase with Buy Now Pay Later payment plans.

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  list of merchants that sell mattresses and mattress toppers with free shipping and  that let you make payments with Buy Now Pay Later financing. 

Purple Mattress

Sleep tonight, pay tomorrow with Purple Mattress and Affirm Buy Now Pay Later financing. Conventional loan starting at 0% APR. Choose from 6–48 month payment plans, Quick + easy pre- qualification right on the Purple site. Checking eligibility will not affect your credit score. 

Shop Purple Mattress with Affirm today! 

Nectar Sleep

Enjoy your Nectar mattress today and pay later with either Affirm or Katapult Financing. The option to pay over time is available to most customers, whether you buy with Affirm, or use the lease-to-own partner, Katapult. If you are declined for Affirm , most customers will be given the option to check out today using our lease-to-own program from Katapult, an Affirm partner.

Shop Nectar Sleep Mattresses with financing today!


For someone a bit more eco-conscious, check out Naturepedic's Organic mattresses and use Affirm to buy now pay later. Naturepedic has been on a mission to transform the lives of our customers through safer, healthier sleep. By eliminating materials like flame retardants and polyurethane foam from our line of certified organic natural mattresses, Naturepedic supports an organic holistic lifestyle while protecting the environment.

Shop Naturepedic Mattresses with financing today!

Serta Mattress

For the hot sleeper in need of a cooling mattress option – our choice is Serta. A long-time go to brand for mattresses now offers their new trending cooling mattress for more comfortable sleep, even on the hottest nights.

Shop the Serta Artic with financing by Affirm!

Dream Cloud Sleep

Pay for your Dream Cloud hybrid mattress over time with 2 easy financing options!  Dreamcloud takes Affirm and now also offers Splitit. With Splitit there is no application, no credit check, no interest, no late fees and you can even collect your usual credit card benefits: including points, miles, & cash-back.

Shop Dream Cloud Mattresses today!


Financing Mattress Toppers 

Sleepy Head USA College Dorm Mattress Toppers 

The #1 rated Sleepyhead  gel and copper memory foam mattress toppers are made from high-quality materials and will last you through your college years and beyond! 

Offering a 30 night trial, good until graduation warranty, and free shipping! 

See if you qualify to finance your Sleepyhead mattress topper with Affirm on the Sleepyhead site.

Dormeo Mattress Topper 

The Dormeo Mattress Topper, an As Seen On TV breakout product of the year, is a perfect solution to updating your current mattress instead of buying a new one! Offering cooling and soothing nights sleep. To Buy Now Pay Later the Dormeo Mattress Topper simply choose your mattress size from Twin to King and then choose from Shop Pay or Affirm financing options. Affirm payments start at $22/month depending on your product size and approval. 

Shop Dormeo Mattress Toppers with Affirm today!


  1. Aslan Mattress –  365 night trial, 
  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. Layla Sleep – One of the best mattresses in a box! 0% APR*, Zero Down, Zero Interest with Affirm
  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. 

Afterpay Mattress Stores 

  1. Sweet Night Mattress takes Afterpay to finance your mattress. Sweetnight offers mattress in a box, toppers, protectors, and pillows, all with excellent reputation and reviews.  

Affirm Mattress Financing  

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. Allswell – The Supreme mattress has arrived! 
  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. Ghost Bed – Mattress in a box
  12. Happsy – Organic mattresses
  13. Keetsa – Mattresses for every type of sleeper
  14. Layla Sleep – 4 month mattress trial offer. Read our Layla mattress review.
  15. Leesa – Best foam mattresses
  16. Majestic Beds – Mattresses, toppers, pillows, bases, foundations
  17. Mend Sleep – Adjustable mattresses and frames
  18. Nature’s Sleep – Memory foam mattresses, toppers & pillows
  19. Nest Bedding – Organic mattresses, bedding & furniture. Read our Nest Bedding review.
  20. Novosbed – Memory foam mattresses
  21. PlushBeds – Luxury mattresses
  22. Purple – Comfortable mattresses takes Affirm for Buy Now Pay Later financing
  23. Sleep Choices – Snuz mattress in a box
  24. Sleep EZ – Mattresses
  25. Wright Bedding  $200 off mattresses through our link
  26. Yaasa – Adjustable beds & mattresses
  27. 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.


“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.

In-house Financing

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

  • 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!
  • Mattress Firm– 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!
  • Montgomery Ward – Payments as low as $20 per month on Sensorpedic, Simmons, Sleep Comfort, Hawthorn, Allure, Lusso and more. 

Katapult (Formerly Zibby)

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:

Klarna Mattress Financing

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. Latex for Less – 100% natural mattresses
  4. Live and Sleep – Non-toxic & eco-friendly memory foam mattresses
  5. Loom & Leaf – Best-priced luxury memory foam mattresses
  6. Luma Sleep – Mattress with 100 night trial
  7. Molecule – Lifetime warranty!
  8. Nolah Sleep – Bed in a box
  9. Nuvanna – Mattresses start at $550
  10. Saatva Mattress – 0.00% APR for 6 months if paid in full
  11. Sweet Zzz – Affordable mattress with lifetime warranty

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).

More Options

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

  1. Mend Sleep – Adjustable mattresses and frames,  180 Nights Sleep Trial and Lifetime Warranty. With FREE Shipping & Returns and several flexible financing opportunities available.
  2. Diamond Mattress – Pick your favorite Diamond mattress and pay over 3, 6 or 12 months for as low as 10% APR with no hidden fees.

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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