Need a new mattress now but want to pay for it monthly? You can buy online and pay as you go with most brands. They give you a quick answer and many times you won’t be charged interest.
We finance a phone, our car, why not our mattress? Sleep is so important to our well-being and health it makes sense.
Mattress companies don’t typically make money from financing, it’s simply a way to facilitate a bed purchase. Be sure to choose accessories such as: pillows, sheets, mattress protector and/or base or anything you need to go with your mattress.
Many boxed mattresses use Affirm. Wonder how Affirm works? We walk you through step by step with screenshots so you can see the process before you commit.
Buy Mattress Lowest Monthly Payments
If you’re simply looking for the lowest monthly payment and you don’t have credit, have low credit, or don’t want your credit report pulled AND want your bed immediately, Helix is your best option. They make buying a bed within reach for anyone.
Buy Now Pay Later Mattresses
The mattress companies that let you buy now and pay later with online financing options (like Affirm). Here’s our giant list of mattresses and what financing options are available.
We may earn a commission at no cost to you should you shop through our links.
Agility Beds – no financing program
Amore Beds (select “other financing” and get 0% interest)
Avocado Green Mattress
Brooklyn Bedding – Pay over 3, 6 or 12 months with financing rates between 0%-30% APR. Uses Affirm.
Casper (use code UNBOX50 to save $50).
DreamCloud (they break it down by monthly payment/bed size)
Dreamfoam – Financing through Affirm
Eco Terra Bed natural latex mattress with dynamic coils – uses Klarna, starts as low as $49/month
Eight Sleep – smart mattress, financing starts at $39/month with Affirm
Happsy organic mattresses
Helix Mattress – many options to choose from, including split firmness. Financing through Klarna 0% APR if paid in full within 6 to 12 months. Or Zibby alternative financing for people with low or no FICO scores. No credit required, can be approved for up to $3,500 without looking at your FICO score.
Idle Sleep – luxury 2-sided mattress, 6-12 month financing through Klarna
Hyphen Mattress Financing available via Paypal Credit. No Payments + No Interest for 6 months.
Kaya Mattress – no details given.
Kutson – uses Klarna
Latex for Less Financing through Klarna for as low as $80/month
Layla copper infused mattress
Linenspa – affordable memory foam mattresses. Comes in full sizes. No financing options listed.
Live and Sleep Mattress uses Klarna. Starts at 0% APR if paid in full within 6 or 12 months*
Loom & Leaf – high end luxury mattress with financing through Klarna.
Luma Sleep – latex mattresses. No Payments + No Interest if paid in full in 6 months on purchases of $99 or more.
Nest Bedding – uses both Affirm and Zibby (Zibby offers alternative financing for people with low or no FICO scores).
Newton Baby – Baby mattress
Nolah – they also use Klarna, starts at 0% APR, pay over 6, 12 or 24 months
Novosbed – Starts at $88/month with Affirm
Nuvanna – starts at $49/month for a year
Molecule Sleep – high end athletic recovery mattress, starts at $61/month with Klarna.
Muse Sleep – comes in soft, medium and firm. DOES NOT offer financing at this time.
Mvmnt Mattress – high end, ulta luxury recovery mattress with interchangeable layers and high quality materials sourced worldwide. See video of mvmnt mattress delivery. Comes in extra large king size, called the Titan. Must call for financing options.
Pangea Bed Copper-Infused 100% Pure Talalay Latex bed – uses PayPal credit, starts with 0% interest.
PlushBeds natural latex and other beds
Puffy – they actually use Klarna who has even better terms than Affirm
Sweetzzz Mattress – they use Klarna and offer the longest no interest financing we’ve seen, based on total amount spent. Offers several firmness level.
The Futon Shop – organic futon mattress. Lists monthly cost with each mattress so you can easily see the payment amount. Uses Affirm.
Tochta – Rv or custom made mattress.
Voila hybrid mattress that comes in plush, medium and firm
WinkBeds – firmer beds offered, starts at $200/month with Bread financing.
Zinus – economy mattresses and bed frames
Zotto Bed – can pay with PayPal, no financing listed.