Financing and Credit Card Options
Sleep made simple & affordable with flexible financing options.
Buying a bed shouldn't be a reason to lose sleep - that's why Mattress Warehouse offers flexible financing. Whether you're buying online or in-store, we have payment options that help fit your budget.
Mattress Warehouse offers a variety of financing choices to provide more flexible payment options to our customers with the Mattress Warehouse Credit Card. With more spending power and time to pay, you don’t have to wait to get better sleep.
Whether it’s time to finally upgrade the mattress you’ve been sleeping on for the last decade or it’s time for your child to get their first “real” bed, paying for your mattress shouldn’t stop you and your family from sleeping on a high-quality mattress. Buying a mattress from Mattress Warehouse is easy with flexible financing from the most trusted companies.
Mattress Warehouse aims to make shopping a relaxed experience and provide flexible payment options to help fit your budget. Don't lose sleep over it, we've got financing options so you can have your best rest.
What's Offered?
Alternative forms of payment
What does Affirm do for me?
What credit cards are accepted?
Buying a bed shouldn't be a reason you lose sleep — that’s why Mattress Warehouse offers flexible mattress financing options. Apply today!
What Are Mattress Warehouse's Mattress Financing Options?
Mattress Warehouse teamed up with Synchrony to provide more flexible financing to our customers with the Mattress Warehouse Credit Card. With more spending power and time to pay, you don’t have to wait to get better sleep.
Whether it’s time to finally upgrade the mattress you’ve been sleeping on for the last decade or it’s time for your child to get their first “real” bed, paying for your mattress shouldn’t stop you and your family from sleeping on a high-quality bed. Buying a mattress from Mattress Warehouse is easy with flexible financing with the Mattress Warehouse Credit Card.
How Do Mattress Financing Options Work at Mattress Warehouse?
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Apply For Credit
Synchrony aims to make your credit card application fast and hassle-free. Apply here -
Explore Offers
Take advantage of our special financing offers — so you get more purchasing power and more time to pay. -
Pay Your Way
With the Mattress Warehouse Credit Card, pay your bill online, over the phone, via check, or bank transfer.
Mattress Warehouse Mattress Payment Promotional Financing Options
0% interest for 24, 36, or 48 or 60 months**
On purchases made with your Mattress Warehouse Credit Card. Equal monthly payments required for 24, 36, 48 or 60 months.
Minimum purchase requirements: 24 months: $999; 36 months: $1,999; 48 months: $3,999; 60 months: $5,999. Promo fee of 2% of amount financed will be included in required monthly payments.
No Interest if paid in full within 6 or 12 months*
On purchases made with your Mattress Warehouse Credit Card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6 or 12 months. Minimum monthly payments required. No minimum purchase required.
Minimum purchase requirements: 6 months: $0; 12 months: $0
Calculate Your Monthly Mattress Payments with Synchrony
Financing can help you pay for a big purchase with manageable mattress monthly payments. Synchrony offers a calculator that will help estimate your monthly payments based on the amount you’d like to finance and the promotional financing offer you choose. All you have to do is answer three questions.
What are the benefits of having a Mattress Warehouse Credit Card?
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Flexible Financing
Convenient financing options available^
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Pay Your Way
Convenient payment options include our online portal, over the phone, checks, or money orders.
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No Annual Fee
No annual fee2 and the ability to request a credit limit increase3 with just a few clicks.
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On-The-Go Access
Anywhere, anytime online account access to manage your account or access customer service.
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Access to Credit Score
See your credit score and track for up to 12 months.
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Fraud Protection
$0 fraud liability
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Autopay Enrollment
Choose for your payment amount to be automatically deducted from your bank account.
Manage Your Account with Synchrony
Make payments, view your balance, update account information, and schedule up to 12 payments at a time.
How can I make a payment on my Mattress Warehouse Credit Card issued by Synchrony Bank¹?
There are three convenient ways to pay your bill.
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Pay Online: Click here to manage your account and make payments online.
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Pay by Phone: Contact Synchrony Bank Customer Service 1-866-396-8254 during the hours listed below to make a payment by phone.
Monday - Sunday 7:30 am to 12:00 midnight EST
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Pay by Mail: Mail payments to the address below. Ensure that you have plenty of time for your payment to arrive prior to the due date.
Synchrony BankP.O. Box 960061Orlando, Florida 32896-0061
^Subject to credit approval. Minimum monthly payments required. See store for details.
*Qualifying purchase amount must be on one receipt. A Promo Fee does not apply to this offer. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
**Qualifying purchase amount must be on one receipt. A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee) and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
2 For new accounts as of 7/16/2024: Purchase APR 34.99%. Penalty APR 39.99%. Minimum interest charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more.
3 You may be required to provide your annual net income if we do not have your recent information on file.