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)
While specifics will differ from one mattress company to the other, here is how mattress financing works in general.
- 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.
- 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.
- 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.
- 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 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 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 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 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.
| My Top Pick | Type of Mattress | Price |
|---|---|---|
| 1. Saatva Classic | Innerspring | $799 - $1,599 Save $200! |
| 2. Puffy LUX | Luxury Foam | $1,145 – $1,695 $300 OFF + UP TO $455 FREE ACCESSORIES |
| 3. Leesa Original | Budget Foam | $699-$1099 "UP TO $200 OFF + 2 FREE PILLOWS" |
| 4. Nest Alexander Hybrid | Luxury Hybrid | $799.00- $1499.00 UPTO $300 OFF |
| 5. PlushBeds Botanical Bliss | Luxury Organic Latex | $1,149- $2,148save $1,250 off Bedroom Mattresses + Free Luxury Sheet Set. |
| 6. Ecoterra | Budget Latex | $749 - $1,249 $150 off mattresses with code SALE150 |
| 7. Dreamcloud | Luxury PillowTop | $599-$1,099 Free Sheets, Protector and Pillows |
| 8. Layla | Flippable/2-Sided | $499 - $999 Save $200! |
| 9. Big Fig | For Plus-Sized People | $1,499 - $2,099 $300 off withcode: LABORDAY |
| 10. Helix | Custom-Fit | $500 - $1,149 Save $200! |
| Topper | Size | Material | Firmness | Warr. | |
|---|---|---|---|---|---|
LINENSPA | Best Value | 2" | Gel memory foam | Medium | 3 years |
MOLECULE AIRTEC | Best Comfort | 3" | Memory foam | Medium-firm | 5 years |
MyPillow | Best pressure point relief | 3" | Foam | Medium-firm | 10 years |
LUCID | Best cooling | 2" | Gel memory foam | Soft | 3 years |
Milemont | Best for back pain | 2" | Gel memory foam | Medium | 10 years |
Pure Green | Best for stomach sleepers | 2" | Natural latex | Extra-firm | 5 years |
Sleep Innovations | Best for side sleepers | 4" | Gel memory foam | Soft | 10 years |
Sleep Number DUAL TEMP | Best temperature regulation | - | Forced Air | - | 1 year |
TEMPUR ProForm | Best memory foam | 3" | Memory foam | Medium-firm | 10 years |
Avocado Green | Best organic | 2" | Organic latex | Soft/firm | 10 years |
| System | Type | Best For... | Temp. Range | Control |
|---|---|---|---|---|
BedJet V3 | Air cooled | BEST OVERALL (esp. for night sweats) | 66°F-104°F | Wireless remote control/smartphone app |
ChiliPad Cube 3.0 | Water cooled | Best water cooling system | 55°F-115°F | Wireless remote control |
Ooler Sleep System | Water cooled | Best temperature control | 55°F-115°F | Smartphone app via Bluetooth |
The Pod by Eight Sleep | Water cooled | Best smart cooling system | 55°F-115°F | Smartphone app/smart voice assistant |
Mattress Cooler "Classic" | Water cooled | Best budget cooling system | N/A | Wireless remote control |
SleepNumber Dual-Temp v3 | Air cooled | N/A | Remote control | |
bFan Cooling System | Fan | Best bed fan | N/A | Wired remote control |
Brookstone bed fan | Fan | N/A | Wireless remote control |
| Pillow | Why I Like It |
|---|---|
PlushBeds Shredded Natural Latex Pillow | best shredded latex pillow for side sleepers |
Coop Home Goods Memory Foam | perennial, proven Amazon Choice with over 16,000 reviews |
MARNUR Contour Pillow | perfect spine support using a groove down the middle |
SleepRightSplintek Side | full facial cradle plus a perfectly-angled shoulder cradle |
Xtreme Comforts Adjustable Pillow | thinner and softer than most, so your head will not bend back |
UTTU Sandwich Pillow | designed specifically for neck support and alignment. |
Mediflow Water Pillow | clinical tests prove it reduces neck pain |
Cradle Me Cervical Pillow | best overall design with lots of position choices |
KaUa Neck Roll | 1,000s of satisfied customers & rave reviews |
J-Pillow Travel Pillow | added chin support prevents your head from falling forward. |
EPABO Contour Memory Foam Pillow | Designed to support and cushion you neck and shoulders |
J-Pillow Travel Pillow | An all-natural, organic and vegan pillow with an adjustable loft to suit all sleeping positions |
| Best Luxury Sheets | Includes | Sizes | Colours |
|---|---|---|---|
Parachute | Fitted sheet + two pillowcases | Twin to Cal King | Sand, Slate, White, Light Grey, Blue |
Brooklinen | One flat sheet, one fitted sheet, and two pillowcases. | Twin to Cal King | White, Cream, Steel, Smoke, Smoke Stripe |
Saatva | One flat sheet, one fitted sheet, and two pillowcases. | Twin to Cal King | White, Ivory, Grey |
Boll and Branch | one fitted sheet, one flat sheet, and two pillowcases. | Full, Queen, King, Cal King only | White, Solid Natural, Striped White, Pewter |
Learn More
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.com.
*Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates.
