Affordable Financing & Purchase Options

Affordable Financing & Purchase Options | Mattress Firm

Convenient Monthly Payments

Special financing available from 6-72 months

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By Now, Pay Over Time

Discover flexible payment options starting at 0% APR

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No Credit Needed

Flexible lease-to-own options

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Mattress Firm or Synchrony HOME Credit Card

Applying is as easy as 1, 2, Zzz. Pay for your bed over time, so you have one less thing to lose sleep about.

See if You Prequalify

Get a decision in seconds with no impact to your credit bureau score.

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Get started if you are ready to apply.

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See available financing promotions.

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0% Interest for 72 Months^††

On purchases of $3299+ with your Mattress Firm credit card.
Equal monthly payments required for 72 months. Promo fee of 2% of amount financed will be included in monthly payments.

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Upgrade Now, Pay Over Time

Get better zzz's with easy payments starting at 0% APR*

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Get a New Bed, No Credit Needed

$1 Initial Payment. Powered by Progressive Leasing™.

The initial payment (plus tax) is charged at lease signing. Remaining lease payments will be determined upon item selection. Reduced initial payment promotion does not lower the total cost. Available for applications 5/7/25-6/3/25.

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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. Cancel or purchase early at any time. Not available in MN, NJ, VT, WI, WY.