Financing Made Simple With Mattress King

We offer three financing options to make it easy - just decide which works best for you!

With affirm, you can choose the monthly payments you like best - with no late fees or surprises.

Use Affirm at checkout when purchasing online.

Pay over 3, 6, or 12 months

0% APR or 10-36% APR based on credit

No fees

Get a real-time decision without it affecting your credit score.
For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR

Synchrony HOME™ and MattressKing have partnered up to make it quick and easy to apply online for a Synchrony HOME™ Credit Card.

Can be used for in-store purchases

Pay over 12 months with no interest

0% APR with approved credit

No annual fee

Get prequalified for a Synchrony HOME™ Credit Card instantly without affecting your credit score.

Snap Finance is an alternative to traditional financing with easy approvals and credit lines up to $3,000.

Prequalify Now

Can be used for in-store purchases

100 days no interest if paid in full option

Simple lease-to-own financing

Purchase today with $10 down

Snap Finance requires the following: Cell phone or email address, active checking account, and steady source of income.

Frequently Asked Questions

No. Synchrony, Affirm and Snap complete what is called a “soft pull,” so it won't affect your credit score. If you decide to purchase with Affirm or Synchrony, missed payments may cause a decrease in credit score. Snap Finance will not report you unless you default.

Payment plans vary by provider:

Synchrony: We currently offer 12 months with no interest if paid in full.

Affirm: Plans vary based on approval, with 3, 6, or 12 month payment plans available - Prequalify now.

Snap Finance: Payment term is 12 months, with 0% interest if you pay in full within the first 100 days.

Yes, when you use Snap Finance, you have the advantage of their proprietary approval process, which gives customers who have bad or no credit the best chance for approval. *Snap Finance is only available in-store. Find your nearest Mattress King location here: Store Locator Once you have been approved for financing, you can complete your online order or print the approval confirmation and bring it to your Mattress King local. Absolutely! The trial is available regardless of whether you finance or pay in full. If you decide to return an eligible product, you will be refunded the payments you’ve made, minus the accrued interest. If you decide to reselect to an eligible product, your account will be credited for the difference or we can charge the difference if you upgrade and still get the same payment plan.

Affirm **Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required.
For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR

Sychnrony **Subject to credit approval. Minimum monthly payments required. See store for details. -No interest will be charged on the promo balance (including tax and delivery) 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 Account APR is 29.99%/Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Manage your account

For Affirm customer support please visit Help Center

Manage your account or pay online

For Synchrony customer support please call (866) 396-8254

Manage your account or pay online

For Snap customer support please call (877) 557-3769

Manage your account or pay online