Affordable Financing & Purchase Options | Mattress Firm

Flexible Mattress Financing & Payment 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.

Check Your Options

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:

Credit Card Financing

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

See if You Prequalify >

Apply Now >

Learn More >

Buy Now, Pay Later

Payment options starting at 0% APR

· Split purchases into manageable payments
· Terms are up to 12 months
· Simple approval process
· Flexible term lengths

See if You Qualify >

Learn More >

Lease-to-Own

No credit needed

· Designed for shoppers with no or low credit
· Flexible approval criteria
· Option to purchase early or cancel

Apply Now >

Learn More >

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.

Mattress Firm Credit Card
Financing options from 6-72 months

0% Interest for 72 Months^††
On purchases of $4,999+ from 9/30/26-1/19/27. 72 equal monthly payments required.

Get 3% Back^ with Special Financing^†

Learn How >

See all promotions >

See If You Prequalify

Apply Now

How does mattress financing work?

You can apply online, in-store, or with a Sleep Expert®

1. Choose your mattress and sleep essentials
2. Select a payment option at checkout
3. Prequalify or apply
4. Get a decision (often within minutes)
5. Review available terms and payment details
6. Complete your purchase and pay over time

Four Product Comparison Table

Compare Mattress Financing and Payment Options

Option	Consider if You Want	Payment Type	Important to Know
Credit Card Financing	Promotional financing and longer terms up to 72 months	Monthly payments	The Mattress Firm credit card offers 2 types of promotional financing offers that are available to all cardholders. See Details
Buy Now, Pay Later	Installment loan up to 12 months	Installment payments	Interest rate and terms vary by provider and are determined after application
Progressive Leasing	A no-credit-needed option	Lease-to-own	Ownership costs more than the cash price

Option	Consider if You Want	Payment Type	Important To Know
Credit Card Financing	Promotional financing and longer terms up to 72 months	Monthly payments	The Mattress Firm credit card offers 2 types of promotional financing offers that are available to all cardholders. See Details
Buy Now, Pay Later	Installment loan up to 12 months	Installment payments	Interest rate and terms vary by provider and are determined after application
Progressive Leasing	A no-credit-needed option	Lease-to-own	Ownership costs more than the cash price

Lady wearing glasses in bed taking notes and doing research on her computer

What should I compare before choosing a financing option?

Before choosing a mattress financing option, compare:

Monthly payment amount
Promotional period
Purchase minimum
Approval requirements
Interest terms
Total cost of ownership
Whether the option is financing or lease-to-own

Can I lease a mattress with no credit?

Yes. Mattress Firm offers no-credit-needed lease-to-own options through Progressive Leasing™ for qualified shoppers. Lease-to-own can provide an alternative payment option for customers who may not want traditional credit financing. Approval is not guaranteed, and terms apply.

Progressive Leasing is a lease-to-own program, not traditional credit financing. Ownership through a lease agreement costs more than the retailer's cash price.

Learn More

How does 0% APR mattress financing work?

0% APR financing allows you to spread your purchase over time without paying interest during the promotional period when paid in full. Monthly payments are required, and terms vary by purchase amount and approval.

If the balance is not paid in full within the promotional period, interest may apply. Additional terms and conditions may apply depending on the financing provider and offer. See financing agreement for complete details.

Financing FAQs

Does Mattress Firm offer 0% financing?

Mattress Firm Synchrony HOME™ Credit Card:
Yes. With the Mattress Firm Credit Card, promotional financing options with 0% interest with 36, 48, 60 or 72 equal monthly payments†† are available. With these options, no interest is ever charged on your purchase.
In-store minimum purchase amounts for these promotions are:

$1,499 for 36 months

$2,499 for 48 months

$2,999 for 60 months

$4,999+ for 72 months (from 9/30/26-1/19/27)

Affirm:
Yes. Eligible Mattress Firm purchases may qualify for promotional financing as low as 0% APR with Affirm, subject to eligibility and approval. Payment options are shown before checkout, including the APR, payment amount, number of payments, and total cost. See lending terms at affirm.com/disclosures.

How fast is financing approval?

Mattress Firm Synchrony HOME™ Credit Card:
Most applications provide a decision within minutes during checkout or prequalification.

Affirm:
Affirm’s application process is fast. Customers can check eligibility during checkout or prequalification and typically receive a decision right away.

Can I finance accessories and adjustable bases?

Mattress Firm Synchrony HOME™ Credit Card:
Yes, financing with the Mattress Firm credit card is available for all purchases with some promotional offers having no minimum purchase requirement.

Affirm:
Affirm may be available for eligible Mattress Firm purchases, available payment options may vary by purchase amount and other factors.

Does applying affect my credit?

Mattress Firm Synchrony HOME™ Credit Card:
You can see if you prequalify for the Mattress Firm credit card with no impact to your credit score. A full application will require a “hard” credit inquiry which may impact your credit score.

Affirm:
Checking eligibility with Affirm does not affect your credit score. If you choose to complete your purchase with Affirm, your loan and payment activity may be reported to credit bureaus.

Can I pay off financing early?

Mattress Firm Synchrony HOME™ Credit Card:
Yes, financing with the Mattress Firm credit card is available for all purchases with some promotional offers having no minimum purchase requirement.

Affirm:
Yes. You can pay off your Affirm loan early with no prepayment penalty. If your loan includes interest, paying early may reduce the amount of interest you pay.

What happens if I miss a payment?

Missed payments may result in fees or interest depending on the financing provider and terms.

Mattress Firm Synchrony HOME™ Credit Card:
A missed or late payment for your Mattress Firm credit card account may result in fees and/or interest. See your credit card agreement and financing agreement for details.

Affirm:
Affirm does not charge late fees, hidden fees, or annual fees. Late or missed payments may affect your ability to use Affirm in the future and may be reported to credit bureaus.

What's the difference between financing, buy now pay later and lease-to-own?

Financing with the Mattress Firm credit card allows approved customers to pay over time with promotional financing terms from 6 to 72 months. The Mattress Firm credit card also provides a credit limit that can be used again for future Mattress Firm purchases and at any Synchrony HOME retailer. Buy now pay later options are installment loans used for a single purchase with terms up to 12 months. Lease-to-own provides an alternative payment option through a lease agreement and may cost more than the retailer's cash price.

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*

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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.^

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Special Financing

Score better sleep within your budget—with our credit card & no-credit needed*, lease to own options.

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Quality Mattresses at Every Price

We offer a wide selection of quality mattresses at every price.

Shop Mattresses

Low Price Guarantee

See a lower price at another retailer? We'll match it up to 120 nights with our Low Price Guarantee.*

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Sleep Experts

Our Sleep Experts^® receive 200+ hours of training annually (!) to help you get your best rest.

No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

Ownership by rental/lease agreement with Progressive Leasing costs more than the retailer’s cash price. Select items only. At anytime, you may purchase early or return merchandise and cancel lease. Not available in MN, NJ, WI.

Flexible Mattress Financing & Payment Options

What financing options does Mattress Firm offer?

Current Financing Promotions

Mattress Firm Credit Card
Financing options from 6-72 months