financing for best online mattress

What You Need to Know About Online Mattress Financing (Plus 4 of the Best Financing Services)

NOTE: We earn from qualifying purchases made via Amazon Associates and other affiliate programs. Learn more.

Mattresses have gotten much more affordable nowadays. With around $800, you can get a premium online mattress that would have cost you twice or thrice as much in a brick and mortar store. Even better, most of the best online mattress companies including Leesa, Casper and Nest Bedding offer easy financing options through third party services.

So you can still own a good quality mattress without busting your budget.

How it Works (Generally)

Casper best online mattress financing

While specifics will differ from one mattress company to the other, here is how mattress financing works in general.

  1. You first choose the mattress you want to buy. Most companies don’t have a minimum spending requirement. So you can still get financing even if you choose a cheaper twin size mattress.
  2. At checkout, you choose the financing option. In most cases, the third party financing service will check whether you qualify right there and give you an answer within minutes. You'll need to provide some basic information.
  3. If you qualify, you can complete the checkout process. In some cases, you may need to put down a deposit. Most financing services provide 100% financing. You’ll also need to choose your preferred payment period. Common options are 6, 12 and 24 months.
  4. Before you complete the purchase, you’ll be shown how much interest, if any, you’ll be charged and how much is due from you every month. Make sure you read the terms and conditions of the financing before you accept it.

Note: Most online mattress companies don’t allow you to use a coupon or discount code if you pay through financing. Any offers they have may also not apply.

Interest Rates

Some financing companies offer 0% interest but only if you pay within a specified period like 6 months. Generally, interest is charged at between 0 and 30% APR.

Again, always check the borrowing terms and conditions. You can often enjoy 0% APR if you pay within 6 months. That means you pay exactly the same over the payment period as you would have if you bought it in cash.

Financing Services

Here are some of the most common financing services that offer mattress financing.

1. Affirm

Affirm logo

Affirm is by far the most common mattress financing service. You’ll often find the ‘Pay With Affirm’ button on many mattress websites.

When you choose to pay with Affirm, you just need to provide your basic information. They’ll check your qualification in real time and give you a response within minutes.

They provide 6, 12 and 18-month repayment periods with interest rates as low as 0%. Note that the specific borrowing terms vary from one mattress company to the other.

Mattresses you can buy with Affirm: Leesa, Casper, Avocado Green mattress, Ghostbed and Nest Bedding mattresses.

2. PayPal Credit

PayPal credit

PayPal partners with several mattress companies to provide easy financing usually with 0% APR if paid within 6 months.

The approval process is easy and fast. Once you choose to pay with PayPal Credit, you will be redirected to their secure website. There, they’ll simply ask for your date of birth and social security number. You’ll be notified of your approval immediately.

Mattresses you can buy with PayPal Credit: 4Sleep, Ghostbed, Zenhaven by Saatva, Leesa and Saatva.

3. Klarna

Klarna logo

Klarna is an international financing company. In the US, they have partnered with various mattress companies to offer financing at low interest rates.

As with other third party financing services, you can check whether you qualify in real time. No paperwork or tons of details are needed. There is also no waiting time.

If you qualify, you will be notified of your approval immediately. In most cases, they offer 0% APR if you finish payments within 6 months.

Mattresses you can buy with Klarna: Saatva, Helix, Nolah and Ghostbed.

4. Zibby

Zibby Logo

Zibby is a great alternative for those with poor or no FICO scores. Their lease-to-own program allows customers to immediately purchase a mattress but pay for it over time.

You can apply right there on the website where you are buying a mattress and get pre-approved immediately. You can apply even if you don’t have a credit score. However, Zibby may give you spending limits.

They charge no interest if you pay within 90 days or around 3 months.

Mattresses you can buy with Zibby: Nest Bedding mattresses and Ghostbed.

See My Favorite Products of 2021!
Select a list >MattressesToppers & PadsCooling/HeatingPillowsSheets
Touch a tab above to reveal my top picks for that category.
Of the 60+ beds I've reviewed, these are my current favorites:
My Top PickType of MattressPrice
1. Saatva ClassicInnerspring$799 - $1,599
Save $200!
2. Puffy LUX
Luxury Foam$1,145 – $1,695
3. Leesa Original
Budget Foam$699-$1099
4. Nest Alexander HybridLuxury Hybrid$799.00- $1499.00
5. PlushBeds Botanical BlissLuxury Organic Latex$1,149- $2,148save $1,250 off Bedroom Mattresses + Free Luxury Sheet Set.
6. EcoterraBudget Latex$749 - $1,249
$150 off mattresses with code SALE150
7. DreamcloudLuxury PillowTop$599-$1,099
Free Sheets, Protector and Pillows
8. LaylaFlippable/2-Sided$499 - $999
Save $200!
9. Big FigFor Plus-Sized People$1,499 - $2,099
$300 off withcode: LABORDAY
10. HelixCustom-Fit$500 - $1,149
Save $200!
Mattress toppers & pads are a great way to cool your bed and extend its life.
Topper SizeMaterialFirmnessWarr.
LINENSPA 2 Inch Gel Infused Memory Foam Mattress Topper, Twin
Best Value2"Gel memory foamMedium3 years
Best Comfort3"Memory foamMedium-firm5 years
MyPillow Three-inch Mattress Bed Topper (Twin)
Best pressure point relief3"FoamMedium-firm10 years
LUCID 2-Inch Ventilated Gel Infused Memory Foam Mattress Topper - Full
Best cooling2"Gel memory foamSoft3 years
Milemont Mattress Topper Twin, 2-Inch Cool Swirl Gel Mattress Topper for Twin Size Bed, Blue
Best for back pain2"Gel memory foamMedium10 years
Pure Green
Pure Green 100% Natural Latex Mattress Topper - Firm - 2 Inch - Queen Size
Best for stomach sleepers2"Natural latexExtra-firm5 years
Sleep Innovations
Sleep Innovations 4-inch Dual Layer Gel Memory Foam Enhanced Support, King, Made in the US Mattress Topper
Best for side sleepers4"Gel memory foamSoft10 years
Sleep Number DUAL TEMP
Sleep Number DUAL TEMP
Best temperature regulation-Forced Air-1 year
Tempur-Pedic TEMPUR Supreme 3-Inch Mattress Topper Medium Firm, Full, White
Best memory foam3"Memory foamMedium-firm10 years
Avocado Green
Avocado Green
Best organic2"Organic latexSoft/firm10 years
Bed cooling/heating systems have come a long way – especially the BedJet, my favorite.
SystemTypeBest For...Temp. RangeControl
BedJet V3
BedJet V3
Air cooledBEST OVERALL (esp. for night sweats)66°F-104°FWireless remote control/smartphone app
ChiliPad Cube 3.0
Chili Technology chiliPAD Cube 3.0 - ME and WE Zones - Cooling and Heating Mattress Pad - Individual Temperature Control, Great Sleep Enhancement, Wireless Remote Integration (Queen (80" L x 60" W))
Water cooledBest water cooling system55°F-115°FWireless remote control
Ooler Sleep System
Ooler Sleep System
Water cooledBest temperature control55°F-115°FSmartphone app via Bluetooth
The Pod by Eight Sleep
The Pod by Eight Sleep
Water cooledBest smart cooling system55°F-115°FSmartphone app/smart voice assistant
Mattress Cooler "Classic"
2020 Mattress Cooler "Classic" Chilled Water Sleep Cooling System (Now with a Spare "27x63" Cooling Pad)
Water cooledBest budget cooling systemN/AWireless remote control
SleepNumber Dual-Temp v3
SleepNumber Dual-Temp v3
Air cooledN/ARemote control
bFan Cooling System
bFan Cooling System
FanBest bed fanN/AWired remote control
Brookstone bed fan
Brookstone Bed Fan with Wireless Remote
FanN/AWireless remote control
These pillows excel at relieving neck and shoulder pain:
PillowWhy I Like It
PlushBeds Shredded Natural Latex Pillow
Best Cooling Mattress Pads

best shredded latex pillow for side sleepers
Coop Home Goods Memory Foam
Coop Home Goods - Premium Adjustable Loft Pillow - Hypoallergenic Cross-Cut Memory Foam Fill - Lulltra Washable Cover from Bamboo Derived Rayon - CertiPUR-US/GREENGUARD Gold Certified - Queen
perennial, proven Amazon Choice with over 16,000 reviews
MARNUR Contour Pillow
MARNUR Cervical Memory Foam Pillow Orthopedic Contour Pillows for Neck Pain Ergonomic Pillow with RoHS Certification and Pillowcase Covers, White(23.5×14.5×5.5 Inch)
perfect spine support using a groove down the middle
SleepRightSplintek Side
SleepRight Splintek Side Sleeping Pillow Memory Foam Pillow – Best Pillow for Sleeping On Your Side – 24" x 5" Standard Size
full facial cradle plus a perfectly-angled shoulder cradle
Xtreme Comforts Adjustable Pillow
Xtreme Comforts Hypoallergenic, Adjustable Thickness, Kool-Flow Micro Vented Bamboo Shredded Memory Foam Bed Pillow for Sleeping, Back, Stomach & Side Sleepers, Queen Size, Made in USA
thinner and softer than most, so your head will not bend back
UTTU Sandwich Pillow
UTTU Sandwich Pillow, Adjustable Memory Foam Pillow, Bamboo Pillow for Sleeping, Cervical Pillow for Neck Pain, Neck Support for Back, Stomach, Side Sleepers, Orthopedic Contour Pillow, CertiPUR-US
designed specifically for neck support and alignment.
Mediflow Water Pillow
Mediflow Fiber: The First & Original Water Pillow, clinically Proven to Reduce Neck Pain & Improve Sleep. Therapeutic, Ideal for People Looking for Proper Neck Support
clinical tests prove it reduces neck pain
Cradle Me Cervical Pillow
Cradle Me Cervical Pillow - Orthopedic Contour Memory Foam Pillow for Back and Side Sleepers with Neck and Spine Support - Helps Reduce Back and Neck Pain
best overall design with lots of position choices
KaUa Neck Roll
K Ka Ua Neck Roll Pillow Cervical Bolster with Bamboo Cover – Memory Foam Spine Lumbar Traction Spondylosis Support 4” Diameter x 17 “Length (4 Inch)
1,000s of satisfied customers & rave reviews
J-Pillow Travel Pillow
J-Pillow Chin Supporting Travel Pillow - 2020 Version - British Invention of The Year Winner - Supports Your Head, Neck & Chin (Blue)
added chin support prevents your head from falling forward.
EPABO Contour Memory Foam Pillow
EPABO Contour Memory Foam Pillow Orthopedic Sleeping Pillows, Ergonomic Cervical Pillow for Neck Pain - for Side Sleepers, Back and Stomach Sleepers, Free Pillowcase Included ( Firm & Queen)
Designed to support and cushion you neck and shoulders
J-Pillow Travel Pillow
AVOCADO GREEN PILLOW-Loveable non-toxic pillow has an adjustable fill, made from GOLS organic certified latex and GOTS organic certified kapok.
An all-natural, organic and vegan pillow with an adjustable loft to suit all sleeping positions
These are my favorite luxury sheet sets sold online:
Best Luxury SheetsIncludesSizesColours
Fitted sheet + two pillowcasesTwin to Cal KingSand, Slate, White, Light Grey, Blue
Brooklinen Luxe Core Sheet Set – Includes 1 Flat Sheet, 1 Fitted Sheet + 2 Pillowcases – 480 Thread Count Sateen Sheet Set – 100 Percent Long-Staple Cotton – Oeko-TEX Certified – Smoke – Twin
One flat sheet, one fitted sheet, and two pillowcases.Twin to Cal KingWhite, Cream, Steel, Smoke, Smoke Stripe
One flat sheet, one fitted sheet, and two pillowcases.Twin to Cal KingWhite, Ivory, Grey
Boll and Branch
Boll & Branch Luxury Fair Trade Long Staple Organic Cotton Sheet Set - Full, Natural
one fitted sheet, one flat sheet, and two pillowcases.Full, Queen, King, Cal King onlyWhite, Solid Natural, Striped White, Pewter
Best For Specific Needs Soft and Warm: Parachute’s Sateen sheets Most Luxurious: Brooklinen’s Linen sheets Organic Luxury Sheets:  Saatva Lofton Organic sheets Breathable/Cool: Percale sheets from Parachute or Brooklinen

Learn More

See My Top Picks
Compare Mattresses Side-by-Side
Read My Reviews
Use My Coupons

Affiliate Disclosure

Affiliate Disclosure: I may earn a small commission (at no cost to you) if you purchase a mattress after clicking a referral link or using a coupon code on this site. That said, all content and opinions on this site are my own and are NOT affected by these payments.

This site participates in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to

*Amazon and the Amazon logo are trademarks of, Inc, or its affiliates.

Leave a Comment