How Does Financing a Mattress Work?

November 23, 2022 · Morgan Jackson

While it might be time for you to get a new mattress, you might not quite know the best way to pay for it, especially given everything impacting your wallet lately. If you’re not ready to put down the upfront cash for a new mattress, mattress financing might be the option for you. How to finance a mattress isn’t a topic that’s widely talked about, so take a look below to see what options are available and how you can finance a mattress at Mattress Warehouse specifically.


Mattress financing is similar to financing a car, a home, or even opening a credit card. It’s a way of spreading out the cost of your purchase across multiple payments over many months or years. This can help make the purchase more affordable and allows you to enjoy sleeping on a comfortable mattress without your bank account taking a big hit.

Financing a mattress usually isn’t at the top of people’s lists when thinking about all that goes into a mattress purchase, budget being the closest. But when it comes down to actually hitting “add to cart”, it does become important. Most high-quality mattresses start anywhere from hundreds of dollars to a thousand plus, so it can help to know a bit about mattress financing.

Mattress Warehouse provides flexible financing alternatives for mattresses since buying a mattress should never cause you to lose sleep. We offer payment options that will make budgeting simple, whether you purchase items online or in one of our stores.


Mattress Warehouse strives to make a comfortable night’s sleep accessible to as many people as possible. Mattress financing is one way we make this possible for all our customers, regardless of their budget. This way, you don’t need to wait to get better sleep, even if you don’t have the cash available to cover the mattress of your dreams.

Mattress Warehouse lets you finance a mattress in three main ways:

  • Pay now
  • Affirm
  • Mattress Warehouse Credit Card

Pay Now

If you find a mattress you love and have the funds to cover it, Mattress Warehouse welcomes full payments. You can easily pay for your mattress in full right now and have it delivered to your home without worrying about managing future payments, navigating interest rates, or dealing with a down payment.


When you choose to pay with Affirm, you buy your mattress now and pay later. Affirm allows you to pay over time at your pace and select a payment plan that works best for you. No credit cards are required, but it is currently only available for online purchases. Affirm lets you choose one of several payment plan options at rates and dates that you approve.

Your interest rate is based on your credit score, and it’s subject to an eligibility check. Your options do vary depending on the price of the mattress, your credit, and the down payment required. Reach out to one of our sleep specialists with questions about using Affirm.

Mattress Warehouse Credit Card

Did you know you can open a credit card with Mattress Warehouse? Not only does this payment method help you manage your payments on your terms, but you can earn rewards and discounts when shopping with your Mattress Warehouse card at our stores.

Approval rates vary depending on your credit and desired mattress price. Don’t hesitate to contact us with any questions regarding setting up your Mattress Warehouse account. You can also learn more about the Mattress Warehouse credit card below or by visiting our primary financing page.


A Mattress Warehouse credit card is a great way to make a large purchase possible. By making your purchase through a manageable account, you can finance the mattress of your dreams without losing sleep over the cost. Simply make payments at your own pace. Synchrony—our credit card partner—even offers a calculator to determine your payments on a Mattress Warehouse mattress.

Deferred Interest

With the Mattress Warehouse credit card, you can take advantage of deferred interest on your purchases.. This means that you don’t have to pay any interest on your purchase as long as you pay off the full amount within the financing time frame.

Interest will still accrue, however, and if you don’t pay off the balance during the promotional time period, you will owe the accrued interest based on the original purchase amount.

Learn more about deferred interest.

Benefits of the Mattress Warehouse Credit Card

When you open a credit card with Synchrony, you can enjoy more advantages than just the opportunity to finance your mattress with deferred interest.

At almost all locations where the Synchrony HOME™ credit card is accepted, you’ll receive 6 months of promotional financing on purchases of $299 or more. At select locations on qualifying purchases, you may even be eligible for 12-60 months of promotional financing. To put your mind at ease, the Synchrony HOME™ credit card also has $0 fraud liability, no annual fee, and offers access to a mobile app and your credit score for free.

Get Access to our Black Friday and Cyber Monday Deals!

Take advantage of the biggest deals of the season! We’re offering major sales on many of our mattresses, but that’s not all. Take advantage of special 72-month Black Friday financing with the Synchrony HOME™ credit card to make buying a mattress even easier.


Don’t stress about the idea of financing a mattress. There are many benefits to financing, and they include some of the following.

Maintaining Your Savings

When you finance, there’s no need to dip into your savings account to supply the funds for your new mattress. You can set payments that are manageable for you and pay over time rather than taking a big chunk out of your wallet right away. This is especially helpful for big purchases that need to be made during a tight (or inflation prone) economy.

Finding Low-Interest Offers

Financing doesn’t have to mean high interest rates. There are many options for financing a mattress with low interest rates. In some cases, you may qualify for a 0% interest rate for a certain amount of time.

Improving Your Sleep Now

When you finance your mattress rather than put off the purchase until you feel comfortable making a one-time payment, you’re able to start getting a good night’s sleep right away. Better sleep means an easier time at work, feeling better throughout the day, and feeling more prepared to tackle what life throws at you.

Building Your Credit

When you choose to finance a mattress, you can build your credit score. Making payments on time and paying off your purchase in a reasonable amount of time will help establish your credit history. This makes it easier for you to make other financial decisions in the future, since you’ve proven yourself to be a reliable borrower with a good credit score.


Mattress Warehouse always wants to make a good night’s sleep accessible and affordable for everyone. Learn more about financing a mattress here or reach out and we can help answer your questions directly.