Flexible Mattress Financing Options
Mattress Firm offers flexible financing options so you can pay over time, including promotional financing offers, Buy Now Pay Later plans, and no-credit-needed lease-to-own programs. Qualified shoppers can choose monthly payments based on financing option and purchase amount. Apply online or in-store and most applicants will receive a decision in minutes.
Pay Over Time
Monthly payment options available
Promotional Financing Offers
Available on qualifying purchases
Lease-to-Own Available
Approval requirements vary by financing provider
Fast Decisions
Apply in minutes
What financing options does Mattress Firm offer?
Mattress Firm offers three primary financing options to fit different needs and budgets:
Pay over time with 0% interest options††
Choose equal monthly payments on qualifying purchases
• All financing options (including 0% options) are available to all Mattress Firm cardholders
• Ideal for larger purchases with longer terms up to 72 months
• Convenient monthly payments
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• All financing options (including 0% options) are available to all Mattress Firm cardholders
• Ideal for larger purchases with longer terms up to 72 months
• Convenient monthly payments
Current Financing Promotions
Find the latest financing offers available at Mattress Firm. Promotional terms may vary based on purchase amount, financing provider, and credit approval.
On purchases of $3,299+ from 7/29/26-9/29/26. 72 equal monthly payments required.
Learn How >
Shop confidently with Mattress Firm®
Free & Fast Delivery
You want your perfect bed, and you want it quick—that’s why we offer Free & Fast Delivery*
120 Night Sleep Trial®
Sleep on it for 120 nights—if you don't love it, we'll help you find a new one or your money back.^
Special Financing
Score better sleep within your budget—with our credit card & no-credit needed*, lease to own options.
Quality Mattresses at Every Price
We offer a wide selection of quality mattresses at every price.
Low Price Guarantee
See a lower price at another retailer? We'll match it up to 120 nights with our Low Price Guarantee.*
Sleep Experts
Our Sleep Experts® receive 200+ hours of training annually (!) to help you get your best rest.