Financing and Credit Card Options

Woman using a laptop laying down in bed.

Sleep made simple & affordable.

Buying a bed shouldn't be a reason to lose sleep - that's why Mattress Warehouse offers flexible mattress financing options. Whether you're buying online or in-store, we have payment plans that will make budgeting a breeze.

Mattress Warehouse offers a variety of financing choices to provide more flexible payment options to our customers. 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 has never been easier with flexible financing from the most trusted companies.

Mattress Warehouse aims to make shopping a relaxed experience and provide flexible payment options for any budget. Don't lose sleep over it, we've got affordable payment plans so you can have your best rest.
Visa icon Discover icon American Express icon Mastercard icon Affirm icon Amazon Pay icon Synchrony icon PayPal icon

What's Offered?

Alternative forms of payment
We want to meet our customers where they feel most comfortable paying. That's why we offer Alternative forms of payment like Amazon Pay, Affirm, and PayPal. You don't need to lose sleep over buying a new mattress anymore, we've got you covered!
What does Affirm do for me?
Affirm allows you to pay over time at your own pace and set a payment plan best for you. No credit cards required, Affirm lets you choose one of several payment plan options, at rates and dates you approve. Don't lose sleep over, Affirm makes sleep affordable.
What credit cards are accepted?
We accept payment from many major credit companies including Visa, Discover, American Express, and Mastercard.
All Synchrony Home Credit Cards accepted here! Promotional Financing. Get flexible financing today to sleep better tonight.

Buying a bed shouldn't be a reason you lose sleep — that’s why Mattress Warehouse offers flexible mattress financing options. Apply today!

APPLY NOW!

What Are Mattress Warehouse's Mattress Financing Options?

Mattress Warehouse teamed up with Synchrony to provide more flexible payment options to our customers. 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 has never been easier with flexible financing by Synchrony.

How Do Mattress Payment Plans Work at Mattress Warehouse?

  1. Apply For Credit
    Synchrony aims to make your credit card application fast and hassle-free. Apply here to enjoy special financing when buying at any of our conveniently located showrooms.
  2. Explore Offers
    Take advantage of our special financing offers — so you get more purchasing power and more time to pay.
  3. Pay Your Way
    With Mattress Warehouse mattress payment plans, pay your bill online, over the phone, via check, or bank transfer.

Mattress Warehouse Mattress Payment Plan Options

0% interest for 24, 36, 48 or 60 Months**

On purchases made with your Mattress Warehouse Synchrony HOME credit card. Equal monthly payments required for 24, 36, 48 or 60 months.

Minimum purchase requirements: 24 months: $599; 36 months: $999; 48
months: $2,999; 60 months: $5,999

No Interest if paid in full within 6, 12 months, or 18 months*

On purchases made with your Mattress Warehouse Synchrony HOME credit card. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within 6, 12 or 18 months. Minimum monthly payments required.

Minimum purchase requirements: 6 months: $0; 12 months: $0, 18
months: $0

APPLY NOW!

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 Synchrony HOME Credit Card?

  • Flexible Financing

    Convenient financing options available^

  • Pay Your Way

    Convenient payment options include our online portal, over the phone, checks, or money orders.

  • No Annual Fee

    No annual fee2 and the ability to request a credit limit increase3 with just a few clicks.

  • On-The-Go Access

    Anywhere, anytime online account access to manage your account or access customer service.

  • Credit Score Reports

    Free credit score monitoring as you make mattress payments.

  • Fraud Protection

    $0 fraud liability means you’re 100% protected during your mattress monthly payments.

  • 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.

Manage Your Account with Synchrony

How can I make a payment on my Mattress Warehouse Synchrony Bank¹ Credit Card?

There are three convenient ways to pay your bill.

  1. Pay Online: Click here to manage your account and make payments online.

  2. 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

  3. 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 Bank
    P.O. Box 960061
    Orlando, Florida 32896-0061

^Subject to credit approval. Minimum monthly payments required. See store for details.

*Qualifying purchase amount must be on one receipt. No interest will be charged on the promo purchase if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo purchase from the purchase date. The required minimum monthly payments may or may not pay off the promo purchase by the end of the promo period. Regular account terms apply to non-promo purchases and, after promo period ends, to the remaining promo balance. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

**Qualifying purchase amount must be on one receipt. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time.

2 For new accounts: Purchase APR is 29.99%. Minimum interest charge is $2.

3 You may be required to provide your annual net income if we do not have your recent information on file.