Make Monthly Payments on Mattresses on Amazon – No Interest or Credit Check Needed!


Did you know Amazon offers mattress financing with no interest or credit check? If you’re shopping for mattresses or bedding on Amazon, you’ll be happy to know that you can finance a mattress so you get low monthly payments on some mattresses.

An Amazon monthly payments mattress means you can get your mattress right away but pay for it as you go.

Amazon offers competitive prices, excellent customer service and a hassle-free return policy. They also have a huge selection of mattress in a box beds to choose from, in different price ranges and types. Plus, who doesn’t love fast and free Amazon Prime shipping?!?

When it’s time for a new bed, you know it. Well, now there’s yet another reason to shop for your mattress and other items at Amazon: you can now pay for your new bed in 5 interest-free monthly installments! That’s right, you can purchase a new mattress and everything you need to go with it. That includes an adjustable base, sheets, comforter, pillows or any other qualifying item and pay for it in monthly payments – completely interest-free. Best of all it doesn’t require a credit check or affect your credit score.

Not every mattress is an Amazon monthly payments mattress though (although this value mattress brand often does). Don’t worry, I’ll show you how to find the ones that do have financing!

We may earn a commission when you shop for an Amazon monthly payment mattress through our links–and you may get better sleep.

Amazon Monthly Payments Mattress

You can find the mattresses that have monthly payment options HERE. – it will tell you on the item description page. If there is financing offered, it will clearly state what you monthly payment will be should you finance your bed.

You’ll be able to tell if a mattress on Amazon has monthly payment options by the listing. It will state the monthly cost and terms right under the price. The good news is there are no fees or interest charges.

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Big name brands like Serta and luxury to economy brands (like Zinus) all offer financing.

Like in this example:

Amazon mattress financing

See Amazon Mattresses with 0% Interest Financing

Who Qualifies for Amazon Mattress Financing

Here’s the catch. Not every customer will qualify for an Amazon monthly payment mattress with a payment plan. According to Amazon, here are the terms and conditions for monthly payments:

1 – You must be a resident of the United States.

2 – Your Amazon.com account must have been active for at least one year.

3 – You must have a valid credit card or debit card associated with your Amazon.com account.

4 – You must have a good payment history on Amazon.com.

Most U.S. residents or Amazon shoppers can easily qualify.

To take advantage of Amazon’s monthly payments offer simply shop as you normally do by checking out the mattress and bedding categories. Then, look for items with the Monthly Payments purchasing option. It will break down what your exact payment will be.

Find the Amazon mattresses you can buy now and pay later on this page. Just click on the kind of mattress you’re looking for and start shopping.

Click the image below if you like this particular mattress pictured, to go straight to it.

Amazon buy now pay later mattress

Bottom line: If you’re in the market for a new mattress or bedding, you can now purchase what you need and pay for it in five monthly installments. AND, you won’t even have to pay any interest or submit to a credit check!

Now for some extra bonus tips you probably didn’t know about but can save you even more.

Tip: How to Save Even More on Amazon

Save 3% on everything you buy with the Amazon Rewards Visa Signature Card. You need to be a Prime member. If you’re not already part of Amazon Prime you can click here to sign up for a free 30 day trial of an Amazon Prime membership.

If you prefer not to get another credit card, you can still save 2% on your order by using a reloadable gift card. Simply put the money onto the card first and then shop. You’ll save an additional 2% when you reload a gift card balance with your checking account.

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Amazon financing is available for many items, not just mattresses. It’s one of the perks of being an Amazon Prime member that no one talks about but can save you big $$. Be sure you take full advantage of this benefit.

Tip: Sign up for Free Text Notifications When your Mattress Ships

Did you know Amazon will text you when your order has shipped and text you again when it’s been delivered? Go here to set it up. Now you will know exactly when you’ll get your new mattress so you can be home. I bet you can’t wait! It’s also handy if you’re buying a gift or something that you don’t want anyone in the household to see. We won’t tell if you sometimes hide your Amazon purchases from your spouse!

Tip: Get a Waterproof Mattress Protector

You spent a lot on your mattress and you’ll probably have it for many years. So be sure to protect your bed – buy a waterproof mattress protector so your mattress will last as long as possible (even if it’s not financed). Put it on your mattress before you even sleep on it. Spills and stains will break down the foam. A waterproof mattress protector is ideal and will help your mattress stay clean too.

We like the Coop Home Goods mattress protector.

Hopefully this has helped you find an Amazon monthly payments mattress that fits your budget or just helps you keep more cash without penalty. If you have any questions, please leave a comment.

If you prefer to buy a mattress directly from the mattress brand, with no interest, check out Idle Sleep. They have some of the best mattress financing you can find online.