As low as 0% APR Financing.

Flexible ways to get you and your wallet some much-needed rest.

Finance your Sleep, the Mattress King way

Choose from three easy finance options, apply in-store or online now!

Affirm logo
Synchrony logo
Snap finance logo


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

  • Use Affirm at checkout when purchasing online or in-store
  • 0% APR or 10-36% APR based on credit
  • Pay over 3, 6, or 12 months
  • 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

Prequalify now


Synchrony HOME™ and Mattress King 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
  • 0% APR with approved credit
  • Pay over 12 months with no interest
  • No annual fee

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

Prequalify now

Snap Finance

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

  • Can be used for in-store purchases
  • Simple lease-to-own financing
  • 100 days no interest if paid in full option
  • Purchase today with $10 down

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

Prequalify now


**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


**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

Need Assistance?

Unsure of your mattress choice? Let our expert Mattress King team assist you.

  • Find Your Perfect Mattress
  • Understand the Differences
  • Expert Recommendations

Frequently Asked Questions

What's the credit check process for Mattress King's finance options?

At Mattress King, the type of credit inquiry depends on the finance option you choose. Synchrony performs a hard credit check, which might slightly affect your score, typically by no more than five points. However, multiple hard inquiries over a short period can have a greater impact. Meanwhile, Affirm and Snap Finance conduct soft checks, which don't affect your credit score. Remember, a single hard inquiry usually has a minor, short-term effect, but it's best to avoid several hard inquiries in a brief span to maintain your credit health.

Is financing available at Mattress King for customers with bad credit or no credit?

Yes, Mattress King offers financing options even for those with bad credit or no established credit history. When you opt for Snap Finance, you benefit from their unique approval process designed to assist customers who might not have a strong credit background. Snap Finance primarily considers factors like having an active checking account and a minimum monthly income of $750. This approach provides an opportunity for customers who have faced credit challenges in the past or are just beginning to build their credit, to make necessary purchases now and pay for them over time. Please note that Snap Finance is available exclusively for in-store transactions.

Is split payment an option for financing part of my purchase at Mattress King?

Yes, at Mattress King, we offer the flexibility of split payments. This means you can finance a portion of your transaction while covering the rest with a different payment method, tailoring the process to suit your financial needs. This approach provides you with more control over how you manage your payment and financing.

When is the first payment due for Mattress King's finance options?

The timing of your first payment with Mattress King's finance options varies based on the company you choose:

Synchrony: Typically, they mail your first statement within 25-45 days, depending on their billing cycle. They also send an email and letter for account setup and payment management.

Affirm: Affirm operates through your smartphone. Your payment schedule is set up at checkout. They provide reminders for upcoming payments via email and text, and you can manage your account through their app or website.

Snap Finance: Upon signing the lease-to-own contract, they establish your payment plan, including when the first ACH withdrawal from your checking account will occur. Snap also sends notifications via email and text, inviting you to download their app or create an online account for easy management.Each company ensures you receive ample notifications and tools to manage your payments effectively.

What if we don't like the mattress? Do you offer a trial period?

Yes, at Mattress King, your comfort is our top priority. Most of our mattresses come with a generous 100-night trial period, which is clearly mentioned on our product listings, both in-store and online. For those not eligible for the 100-night trial, we offer a 14-night trial period. To qualify for these trials, it's required to purchase one of our mattress protectors. Please note, during the trial period, if you choose to exchange the mattress, our delivery service must be utilized to facilitate this process. There will be a delivery charge applicable based on your location. This ensures a smooth exchange process and helps maintain the highest standards of hygiene and customer satisfaction. For complete details about the trial period and related policies, we invite you to visit our trial policy page.