Can you make payments on mattresses? Yes!
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. Scroll down to see our complete list of buy now pay later beds.
We finance our mobile phone, cars and more, why not our mattress? Sleep is so important to our well-being and health that it makes sense.
Did you know that 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: adjustable bed or base, pillows, sheets, mattress protector and/or base or anything you need to go with your mattress.
Many boxed mattresses use Affirm for financing. 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 or Nest 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.
5 Little Monkeys – this is a child’s bed. Can use PayPal to pay which can be connected to your checking account or you can use a credit card.
Agility Beds – no financing program.
Amore Beds (select “other financing” and get 0% interest). Sells hybrid beds.
Avocado Green Mattress 25 year warranty natural beds. Uses Affirm. 0% APR may be available.
Awara natural mattress – finance the mattress through Affirm for as low as 0% APR.
Bear Mattress Pay with Affirm and pay back over 6, 12 or 18 months at 0-30%* APR.
Brooklyn Bedding – Pay over 3, 6 or 12 months with financing rates between 0%-30% APR. Uses Affirm.
Brentwood Home – Uses Affirm. Pay over 3, 6, 12 month with rates as low as 0% APR. Or lower your payment with a 18, 24, or 36 month plan with rates starting at 10% APR.
Casper (use code UNBOX50 to save $50). Uses Affirm for payments as low as $61/month at 0% APR.*
DreamCloud Uses Affirm and they break it down by monthly payment/bed size upon purchase.
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.
Habitat Furnishings digital air bed (think Sleep Number) – no financing options shown.
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.
Keetsa Mattress – Uses Affirm. Monthly payments at 0% APR for a term of 3, 6, or 12 months. Pay your monthly bill using a check, debit card, or bank transfer.
Kutson – uses Klarna.
Latex for Less Financing through Klarna for as low as $80/month.
Layla copper infused mattress that’s flippable. 0% financing through Affirm is available if you qualify. Typical rates range from 0-30%.
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.
Luxi – PayPal Credit – 0% APR if paid within 6 months.
Nectar – as low as 0% APR financing for up to 24 months on your purchase. For example, instead of $1,500 up front, pay only $63 a month at 0% APR over 24 months. A down payment may be required.
Nest Bedding – uses both Affirm and Zibby (Zibby offers alternative financing for people with low or no FICO scores).
Newton Baby – Baby mattress that uses Bread financing. Rates range from 5.99% to 29.99% APR.
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.
MettaBed – uses Bread. Pay for your natural bedding products in up to 6 months at 0% APR or up to 3 years at competitive rates.
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. Call in 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. Uses Klarna. 0% APR if paid in full within 6 mths on orders $499 to $799.
0% APR if paid in full within 12 mths on orders $799 and higher.
Puffy – they actually use Klarna who has even better terms than Affirm and it’s a truly plush all foam bed.
Purple 0% APR and payments as low as $85 a month through Affirm.
Saatva – Uses Klarna
Sleep EZ – Uses Affirm. Get a real-time credit decision to split your purchase into monthly payments. Rates from 0% to 30% APR with loans of 3, 6, or 12 month terms. All natural latex beds.
Solay Mattress starts at $39 a month with Partial.ly (according to website) but when we went to the buy page it had PayPal or Amazon Pay.
Sweetzzz Mattress – they use Klarna and offer the longest no interest financing we’ve seen, based on total amount spent. Offers several firmness level.
Tulo Mattress – Choose from soft, medium or firm. Can try in store at any Mattress Firm so you can try in person and buy online. They use SetPay that has 0% APR. Queens start at $500 which would be roughly $41.67/month if you choose 12 months or $20.84/month if you choose 24 months.
The Futon Shop – organic futon mattress. Lists monthly cost with each mattress so you can easily see the payment amount. Uses Affirm.
WinkBeds – firmer beds offered, starts at $200/month with Bread financing.
Yassa – Pay over 6, 12 or 18 months. $84.34/mo. based on a purchase price of $1,299.00 at 20% APR for 18 months. Rates from 0–30% APR. Hybrid bed with soft or firm option.
Zinus – economy mattresses and bed frames. Approval is based on a soft credit check and available through Affirm.
Zotto Bed – can pay with PayPal, no financing listed.