BIG List of Buy Now Pay Later Mattress and Beds

Buy Now Pay Later Mattress

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 phones, cars, and more, so 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 an 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.

If you’re looking for the cheapest option, take our mattress quiz. Choose the lowest price range.

Buy Mattress Lowest Monthly Payments

If you’re looking for the lowest monthly payment and 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. You can use PayPal to pay, which can be connected to your checking account, or you can use a credit card.

Allswell – budget but quality mattress from Walmart (their mattress in a box has 4 models to choose from, the lowest is under $400 for a queen). As Low As 0% APR financing with Affirm. Financing options are available on orders over $250 for qualifying customers.

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.

Avocado Green Mattress

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 link not working–  Pay over 3, 6, or 12 months with financing rates between 0%-30% APR. Uses Affirm.

Casper (use code UNBOX50 to save an additional $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 link not working– Financing through Affirm.

Eco Terra Bed natural latex mattress with dynamic coils – uses Klarna, starting at $49/month.

Eight Sleep – smart mattress to help you track and improve your sleep. Financing starts at $39/month with Affirm.

Ghostbed – Made in the USA 20+ years ago. Designed to relieve pain and support your neck & back with 4 mattress choices. Memory foam, innerspring, and hybrid models. The Hybrid mattresses are coil mattresses, with the soft conforming feel of memory foam. Innerspring mattresses have a thinner layer made of cotton, polyurethane, or memory foam on top (firmer). Choose from Affirm Financing, Katapult (formerly Zibby), Paypal, Apple Pay, or Google Pay.

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 is required, you can be approved for up to $3,500 without looking at your FICO score.

Keetsa Mattress – Uses Affirm. Monthly payments at 0% APR for 3, 6, or 12 months. Pay your monthly bill using a check, debit card, or bank transfer.

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%.

Live and Sleep Mattress uses Klarna. Starts at 0% APR if paid in full within 6 or 12 months*

Loom & Leaf link not working– 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.

Naturepedic – natural latex mattress since 2003, Naturepedic. No flame retardants or polyurethane foam was used. Certified organic natural mattresses. 10 adult mattress models, 2 children’s mattress models, 5 crib mattress models, plus pillows, pads, sheets, and toppers. NO formaldehyde, NO vinyl, NO PFCs/PFAS, NO glues or adhesives, NO pesticides, NO GMOs, NO environmentally irresponsible felled wood, and NO mistreatment of the sheep that supply the wool.

Nectar – as low as 0% APR financing for up to 24 months on your purchase. For example, instead of $1,500 upfront, 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. Use code UNBOX for 10% off your mattress purchase.

Novosbed – Starts at $88/month with Affirm.

Nuvanna – starts at $49/month for a year.

MettaBed link not working– uses Bread. Pay for your natural bedding products in up to 6 months at 0% APR or up to 3 years at competitive rates. Plus, get $100 off when you use our link.

Molecule Sleep – high-end athletic recovery mattress, starts at $61/month with Klarna.

Mvmnt Mattress – high-end, ultra-luxury recovery mattress with interchangeable layers and high-quality materials sourced worldwide. See the video of mvmnt mattress delivery. It comes in an extra large king size, called the Titan. Call in for financing options.

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 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. Each Purple mattress features its unique comfort grid on top. Choose from foam or spring models in a variety of heights. Medium firm to medium.

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.

Sweetzzz Mattress – they use Klarna and offer the longest no-interest financing we’ve seen, based on the total amount spent. Offers several firmness levels.

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, which 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, starting 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 is available through Affirm.

Zotto Bed – can pay with PayPal, no financing listed.

Amazon also has no credit check mattress financing.

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  1. Sabrina A Bratton says:

    I need a used mattress that I can pay by monthly

    1. Janet Thaeler says:

      I’m not sure there’s anything like that, unfortunately. I would check Facebook Marketplace for a used mattress and just save up for it.

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