Sleep now, pay later
with flexible, instant-approval payment plans
Better sleep shouldn’t have to wait. With instant approval at checkout, you can get your mattress now and pay
from just $46.15/month—no credit impact to apply.
Instant approval during checkout
No hidden fees or surprise charges
No credit impact just to check eligibility
Rates as low as 0.00% APR
How to get approved in seconds
1
Add your mattress to cart
Choose your mattress and head to checkout—no extra forms or hoops to jump through.
2
Choose a financing option
Choose the provider that best matches your payment preferences and credit score.
3
Approved in seconds
Answer a few quick questions—most approvals are instant with no impact to your credit score.
4
Sleep now, pay later
We ship your mattress like any other order—your payment plan kicks in automatically.
Choose your provider at checkout
Each option is tailored to a different credit profile and payment style. Pick the one that works best for you, all
with instant approval.
MOST POPULAR
As low as $82.43/month*
Fast checkout, no impact on credit score to determine eligibility, instant approval online
Payment terms between 2 and 12 months
0% APR available
Fastest approval, right inside checkout
As low as $46.15/month*
Low monthly payments over 6–36 months (for fair to strong credit)
Prequalify with a soft credit check
0% APR available
Ideal for users with fair to excellent credit
Up to $3,500 in pre-approval
No credit? No problem. Lease-to-own made easy.
No credit check required
Small upfront cost, then weekly or biweekly payments
Own your mattress over time, or pay it off early and save
*Actual rate depends on provider terms and your eligibility