financing for best online mattress

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


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.

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.


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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.


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