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Buy Now Pay Later Mattress Financing with Idle Mattress

Idle Sleep logoAre you interested in buying a brand new Idle Sleep Mattress but don’t want to pay the full amount up front? Then you’ll want to learn more about Idle Sleep mattress financing. It allows you to buy a brand new Idle Sleep mattress and get it shipped to you right away, and pay for it in affordable monthly payments. So you get the new mattress you need right away.

Idle has plans for as little as $61 per month and there are no hidden fees. Idle Sleep’s financing is amazing – about as good as we’ve seen. Like 0% APR for 60 Months – no other mattress merchant can beat this rate. It’s a great way to buy a new mattress today but not break the budget or bank! Yes, that’s a 5 year finance plan so payments are so low that it makes owning a new mattress affordable.

If that’s appealing to you, this guide will share everything you need to know to buy an Idle Sleep mattress on finance. You will be surprised by how easy the process is.

Note that we may earn a commission when you shop through our links.

How Do You Finance An Idle Sleep Mattress?

Idle Sleep has partnered with Affirm to offer affordable, no-hassle mattress financing.

Buying an Idle mattress on finance is simple:

1. Choose an Idle Sleep Mattress {See our Example for Monthly Payment Info}


Start by viewing the Idle Sleep range of mattresses. Decide which mattress you are interested in purchasing. Idle Sleep offer three types of mattresses, in a variety of sizes. They are all thicker and have springs. For more info, read our Idle Mattress Review.

Idle Gel Plush Memory Foam Mattresses

Idle just came out with two memory foam mattresses. What makes them different? Well they’re thicker than other brands for a similar price and you can get 20% off + 2 FREE pillows. Their plush is truly soft and dreamy. Want to learn more? We reviewed the Idle Sleep Plush Gel Memory Foam mattress here.

Idle Hybrid Mattress

The most affordable option in the Idle Sleep mattress range, the Idle Hybrid combines supportive coils and pressure relieving foam. Idle Sleep’s revolutionary foam material has 400% more support than a normal memory foam mattress and there are 1,000 smart support coils in the mattress for additional support. Prices start at $729 for a twin and go up to $1,494 for a split king.

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Idle Dunlop Latex Hybrid Mattress
Idle Sleep’s eco-friendly latex hybrid mattress is made from 100% latex and organic cotton. It also uses Idle Sleep’s Buoyancy Foam, which provides 400% more support than a traditional memory foam mattress. Prices start at $829 for a twin and go up to $1,749 for a split king. Read our Idle Hybrid Latex mattress review here.

Idle Talalay Latex Hybrid Mattress

Another all-organic, eco-friendly option which is hypo-allergenic, anti-microbial and dust-mite resistant. Also uses Idle Sleep’s Buoyancy Foam and contains 1,000 smart support coils. Prices start at $1,174 for a twin and go up to $2,448 for a split king.

Once you have selected a mattress, take a look at the available add-ons. The most popular add-ons include sheets, the bed foundation, and the white glove delivery service.

It is also a great idea to purchase a mattress protector. It will help you ensure that your new mattress stays in excellent shape during the years to come. As an added bonus, Idle Sleep provides 2 free memory foam pillows with every purchase and FREE shipping.

After configuring your mattress and selecting any add-ons, the website will automatically update to show the total price. For the configuration we selected, the price is either a single payment of $1,501 or monthly repayments starting at $126 per month.

But it’ll be even less when you use our link for this amazing deal:

SAVE 30% and get 2 FREE PILLOWS

2. Apply for Financing – Fast & Easy 


To make the purchase using Affirm finance, click on the Prequalify Now link. A pop-up notification appear which explains how much finance payments would be over a 3-month, 6-month, or 12-month period. In our case, 12-month finance for the purchase would be $125.08 per month.

The finance is provided by Affirm. They are one of America’s leading providers of consumer loans. They are a reputable company providing affordable finance for small purchases.

Next, click the See if you quality button. You will be asked to either create an account or log into an existing Affirm account. If you are creating a new account, you will need to provide several pieces of identifying information. This will include your name, birth date, and email address.

After creating your account or logging in, Affirm will perform a credit check to determine if you are eligible for finance. It is a “soft” credit check that will not affect your credit score in any way.

The finance approval process usually takes a couple of minutes, but most people will have an answer in seconds.

3. Review the Terms

If you have been approved for Affirm finance, you will be directed to a page which shows the terms of the loan in more detail. It will clearly describe how much repayments are, how much interest will be charged (if any), and several other details.

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Read the terms and conditions of the financing agreement carefully. If you are happy to proceed, click accept and finalize the checkout process. Your brand new mattress will be at your door within a couple of weeks!

Buy Now Pay Later Idle Mattress

Common Questions About Idle Mattress Financing

What is Affirm?
Affirm is a global payment solutions company which specializes in consumer finance for small purchases. They are partnered with over 70,000 merchants and have over 60 million customers globally.

Do you need to pay a deposit?
Affirm financing does not require customers to pay a deposit when purchasing a mattress through Idle Sleep.

What fees are involved?
Most customers will qualify for a 6 or 12 month interest free period when they use Affirm to purchase an Idle Sleep mattress. If you repay your loan before the conclusion of this period, you will pay no interest on your purchase.

However, if your repayments extend beyond this point, you will be charged interest. The annual percentage rate (APR) will be between 0 to 30% based upon how much you are borrowing and the strength of your credit score. There is a 6% interest cap available for anyone on active military duty.

There are no late fees, service fees, or prepayment fees when using Idle Sleep Mattress Financing.

How long do I have to pay back the loan?
You will have a repayment term of 6, 12, or 24 months, based on the size of the loan and the strength of your credit score.

How can do I pay the bill?
Affirm make repaying loans simple. There are several payment methods available including direct debit, debit card, and check payments.

Do you need to have existing credit score? 
Yes, customers will need a credit score to be eligible for Affirm financing.

Will the credit score check affect my credit rating?
No! Affirm will perform a “soft” credit check to determine if you are eligible for a loan. This type of credit check will not show up on your credit report and does not affect your credit score.

How soon will my Idle Sleep mattress ship?
After you have been approved for finance, Idle Sleep will immediately begin processing your order. You can expect it to arrive within 2 to 3 weeks.

We hope this mattress financing guide helps you get the best night’s sleep at an amazing price that you can afford!

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