Buy Mattresses Now, Pay Later

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.

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


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. Avocado – Green mattresses
  2. Bear Mattress – 100 Night Risk Free Trial
  3. BedInABox – The original Bed in a Box mattress!
  4. Brentwood Home – Mattresses & bedding
  5. Brooklyn Bedding – Mattresses, pillows & sheets
  6. Dream Cloud – 365 day trial period, Lifetime warranty!
  7. Dreamfoam Bedding – Affordable mattresses
  8. Eight Sleep – Smart mattress with 100 night trial
  9. Essentia – Healthy mattresses
  10. Eve Mattress – Mattresses with 100 day trial offer
  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. My Green Mattress – Organic mattresses
  17. MyPillow – Now sells mattresses plus awesome pillows
  18. Nature’s Sleep – Memory foam mattresses, toppers & pillows
  19. Nectar Sleep – 365 night trial + forever warranty. Read our Nectar mattress review.
  20. Nest Bedding – Organic mattresses, bedding & furniture. Read our Nest Bedding review.
  21. Newton Baby – Baby crib mattresses
  22. Novosbed – Memory foam mattresses
  23. PlushBeds – Luxury mattresses
  24. Purple – Comfortable mattresses
  25. Sleep Choices – Snuz mattress in a box
  26. Sleep EZ – Mattresses
  27. Tango Sleep – 120 night mattress trial
  28. Wright Bedding  $200 off mattresses through our link
  29. Yaasa – Adjustable beds & mattresses
  30. 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
  • BedInABox – The original Bed in a Box mattress!
  • eLuxurySupply – Quality Bed and Bath products
  • Metta Bed – Mattresses handmade to order
  • Wink Beds – Premium Mattresses with 101-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!
  • Fingerhut – If you have bad credit, they say “Yes” when others say “No”. Payments on mattresses start at $14.99/month. If you already have a Fingerhut Credit Account, click here to shop!
  • FlexShopper carries name brand mattresses and more that are available to lease to own for as little as $4 per week – Qualify today for up to $2,500 instant spending limit with no money down, no hidden fees (and bad credit is okay). Shop now!
  • Gettington – Offers 3 Ways to Pay: Now (Pay in Full), Fast (4 Monthly Payments) or Easy (24 Monthly Payments). And they carry much more than mattresses for less!  Application takes less than a minute! If you already have a Gettington credit account, click here to shop!
  • 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!


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. 2920 Sleep – Supportive mattresses
  2. Dreamzy – 10% off Coupon Code: MORESLEEP
  3. Helix – Mattress with free trial & free shipping
  4. Idle Sleep – 2-sided mattresses
  5. iSense Sleep – Different comfort levels for each side of the bed
  6. Kutson – Mattress with 100-night trial
  7. Latex for Less – 100% natural mattresses
  8. Live and Sleep – Non-toxic & eco-friendly memory foam mattresses
  9. Loom & Leaf – Best-priced luxury memory foam mattresses
  10. Luma Sleep – Mattress with 100 night trial
  11. MatSleep – Mattress with 365 night free trial
  12. Molecule – Lifetime warranty!
  13. Morphiis – Personalized sleep solutions
  14. Nolah Sleep – Bed in a box
  15. Nuvanna – Mattresses start at $550
  16. Puffy – Mattresses with 101 night trial
  17. Real Sleep – The mattress of your dreams
  18. Saatva Mattress – 0.00% APR for 6 months if paid in full
  19. Sweet Zzz – Affordable mattress with lifetime warranty
  20. The Hive Mattress – 100 night risk free trial
  21. Tomorrow Sleep – 365 night mattress trial
  22. Zombie Beds – The mattress for everyone

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 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? Check Into Cash offers quick loans up to $1000 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

About the Author

Kim has been helping people save time and money online since 1998. Follow Kim's Personal Accounts on Google and Twitter. And see all of Kim's sites at

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