Financing

Mattress Financing

Get the mattress you need now and pay over time. We offer flexible financing options so a better night's sleep fits your budget — no matter what it looks like.

✅
Quick Approval
🔒
Secure Application
📊
No Hidden Fees
⚡
Instant Decision

Ways to Pay

Choose the payment option that works best for you.

💳
Pay in Full
0% Interest
Pay the full amount at checkout with any major credit card, debit card, PayPal, or Venmo.
  • All major credit & debit cards
  • PayPal & Venmo accepted
  • No interest, no fees
  • Instant order processing
📅
Shop Pay Installments
0% APR
Split your purchase into 4 interest-free payments, paid every 2 weeks. No credit impact.
  • 4 equal payments over 8 weeks
  • 0% interest, always
  • No hard credit check
  • Automatic biweekly payments
  • Available at checkout
🏦
Monthly Financing
Low Monthly
Spread your mattress purchase over 6–36 months with affordable monthly payments.
  • 6, 12, 24, or 36 month terms
  • Competitive interest rates
  • Quick online application
  • No prepayment penalties
  • In-store or online

What It Looks Like

Real examples of what your monthly payment could look like with Shop Pay Installments.

Shop Pay — 4 Interest-Free Payments

$600 Mattress
$150
every 2 weeks × 4
$1,200 Mattress
$300
every 2 weeks × 4
$2,000 Mattress
$500
every 2 weeks × 4
$3,000 Mattress
$750
every 2 weeks × 4

How It Works

Getting financing is quick and straightforward.

1
Shop
Browse mattresses online or visit our Glendale showroom. Find the one that fits.
2
Choose
Select your payment option at checkout — pay in full, installments, or monthly financing.
3
Apply
Quick application with an instant decision. No lengthy paperwork or waiting.
4
Sleep
Your mattress ships right away. Start sleeping better tonight, pay comfortably over time.

Financing FAQ

Does applying for financing affect my credit score?
Shop Pay Installments (4 payments) does not require a hard credit check. Monthly financing options may involve a soft or hard credit inquiry depending on the lender, but a soft check doesn't impact your credit score.
What's the minimum purchase for financing?
Shop Pay Installments is available on purchases between $50 and $17,500. Monthly financing minimums vary by lender but are typically $200 or more.
Can I pay off financing early?
Yes. There are no prepayment penalties on any of our financing options. Pay off your balance early and save on interest (for monthly financing plans that carry interest).
What if I'm not approved?
If you're not approved for one financing option, you may still qualify for another. You can also pay with a credit card, PayPal, Venmo, or contact us about alternative arrangements. Call us at (747) 699-0077 and we'll work with you.
Is financing available in-store?
Yes. All financing options are available both online and at our Glendale showroom. Our team can walk you through the application process in person.
Can I combine financing with a sale or promotion?
Absolutely. Financing options apply to the final purchase price, including any active sales, discounts, or promotions.
What payment methods do you accept?
We accept Visa, Mastercard, American Express, Discover, PayPal, Venmo, Shop Pay, Shop Pay Installments, and Apple Pay. For in-store purchases, we also accept cash and checks.

Ready to Get Started?

Find your perfect mattress and choose the payment option that works for you at checkout.

Shop Mattresses Call (747) 699-0077