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Buy Mattresses Now, Pay Later

Buy Mattresses Now, Pay Later

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When it comes to purchasing a new mattress, many people find themselves wondering how to finance their dream mattress. There are a few different options available, and the best option for you will depend on your personal financial situation.

If you have good credit, you may be able to take out a personal loan from a bank or credit union. You can also finance your mattress through a furniture store or retailer that offers financing options.

Another option is to use a credit card to finance your mattress. However, you will need to be sure that you can pay off the balance in full each month to avoid interest charges. Whichever financing option you choose, be sure to compare interest rates and terms before making your final decision.

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 including progressive leasing.

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

Purple Mattress Financing: Affirm

Sleep tonight, pay tomorrow with Purple Mattress and Affirm Buy Now Pay Later financing.

How the Purple Mattress payment plan works:

  1. Start checking out with the mattress and accessories you want on the Purple Mattress site
  2. Enter shipping information and go to the payment screen
  3. Select Affirm as your payment option
  4. Make direct debit payments from your bank account per the Affirm schedule you qualify for.
    • Conventional loan starting at 0% APR
    • Choose from 6–48 month payment plans
    • Quick + easy pre-qualification
    • Checking eligibility will not affect your credit score

Shop Purple Mattress with Affirm today!

shop purple mattress

Nectar Sleep

Nectar Sleep Mattress Financing: Affirm or Katapult

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!

shop nectar sleep


Naturepedic Financing: Affirm

For someone a bit more eco-conscious, check outNaturepedic'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 for the entire family with mattresses for babies to adults,while protecting the environment.

Shop Naturepedic Mattresses with financing today!

shop Naturepedic

Serta Mattress

Serta Mattress Financing: Affirm

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!

shop serta

Dream Cloud Sleep

Dreamcloud Mattress Financing: Affirm & Splitit

Pay for your Dream Cloud hybrid mattress over time with 2 easy financing options! Dreamcloud takes Affirm and now also offers Splitit.

With Affirm pay over 3 to 24 months. Spend your 365-nights trial paying as you go. Instant approval, many people get approved with 0%! Applying for Affirm won’t impact your credit score.

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. Pay in 3, 6, or 12 monthly installments and use your existing Visa or Mastercard credit card.

Shop Dream Cloud Mattresses today!

shop dream cloud


Slumberland Mattress Financing: Affirm & PayPal

Slumberland offers different types of mattresses: traditional, memory foam and hybrids! Slumberland takes Affirm & PayPal Pay in 4. Sleep now, pay later.

Shop Slumberland Mattresses today!

shop slumberland

Emma Mattresses

Emma Mattress Financing: Affirm

We design for wellness. We want you to be energized, empowered, refreshed, and to feel good. Emma was founded on the values of bridging thoughtful design and proprietary sleep technology together to make solutions that work for every type of sleeper.

shop emma mattress

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.

shop sleepyhead

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!

shop dormeo

  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

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. BedInABox – The original Bed in a Box mattress!
  2. Dream Cloud – 365 day trial period, Lifetime warranty!
  3. Dreamfoam Bedding – Affordable mattresses
  4. Eight Sleep – Smart mattress with 100 night trial
  5. Emma Mattress – Designed for Wellness
  6. Essentia – Healthy mattresses
  7. Ghost Bed– Mattress in a box
  8. Happsy – Organic mattresses
  9. Keetsa– Mattresses for every type of sleeper
  10. Layla Sleep– 4 month mattress trial offer. Read our Layla mattress review.
  11. Leesa – Best foam mattresses
  12. Majestic Beds – Mattresses, toppers, pillows, bases, foundations
  13. Mend Sleep – Adjustable mattresses and frames
  14. Nature’s Sleep– Memory foam mattresses, toppers & pillows
  15. Nest Bedding– Organic mattresses, bedding & furniture. Read our Nest Bedding review.
  16. Novosbed – Memory foam mattresses
  17. PlushBeds – Luxury mattresses
  18. Purple – Comfortable mattresses takes Affirm for Buy Now Pay Later financing
  19. Sleep EZ – Mattresses
  20. Wright Bedding– $200 off mattresses through our link
  21. Yaasa – Adjustable beds & mattresses
  22. 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.

  • Boston Luxury Beds – Luxury Bed Retailer, carrying select European mattress brands


“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!
  • Metta Bed – Mattresses handmade to order
  • Newton Baby – Baby crib mattresses
  • Wink Beds– Premium Mattresses with 120-night risk-free trial

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!
  • 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 QVC Easy Pay. 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:

  • Ashley Homestore – Furniture
  • Awara Sleep – Natural eco-friendly mattresses
  • DreamCloud – Luxury hybrid mattress with 365-night trial and lifetime warranty
  • Eight Sleep – Smart mattresses
  • GhostBed Mattress – Supernatural comfort with cooling technology
  • 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 budget
  • Wink Beds – Premium Mattresses with 120-night risk-free trial

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. Latex for Less – 100% natural mattresses
  3. Live and Sleep – Non-toxic & eco-friendly memory foam mattresses
  4. Luma Sleep – Mattress with 100 night trial
  5. Molecule – Lifetime warranty!
  6. Nolah Sleep– Bed in a box
  7. Nuvanna– Mattresses start at $550
  8. Saatva Mattress – 0.00% APR for 6 months if paid in full
  9. 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 that offer flexible payment plans for popular online 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.
  3. Dormeo</a – Accepts Deko
  4. Endy Sleep– Accepts PayBright
  5. Mattress Firm – Progressive Leasing Partner
  6. Solay– Accepts
  7. Mend Sleep – Also takes Splitit

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

Shop our favorite buy now pay later stores here for all your home furnishings and electronics needs.

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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