Mattress Financing

Amazon mattress in a box

You can Make Monthly Payments on Mattresses on Amazon – No Interest and No Credit Check Needed!

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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.

Amazon offers competitive prices, excellent customer service and a hassle-free return policy. They also have a huge selection of bed in a box mattresses 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.

Not every item Amazon sells qualifies (although this value mattress brand often does ) but I’m going to show you how to find the ones that do! I appreciate it if you shop through my links as it helps support my site.

You can find the mattresses that qualify – 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. Like in this example:

Amazon mattress financing

See Amazon Mattresses with 0% Interest Financing

Here’s the catch. Not every customer will qualify for the monthly payments 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 account must have been active for at least one year.

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

4 – You must have a good payment history on

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.

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!

Tip: 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: 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).

Tip: 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 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.

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 $$.

buy now pay later trundle beds

Buy Now Pay Later Trundle Beds

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Looking for a trundle bed but you don’t have the cash or want to pay it all at once? Check out our list of buy now pay later trundle beds. You can purchase the bed online and pay for it as you go with an affordable monthly payment.

For the mattress on a trundle bed, you need a low profile mattress – it shouldn’t be more than 10 inches thick (usually 8 or less) or it won’t fit under the top bed. Trundles usually come in twin or full sizes. There are day bed styles, regular styles, bunk bed trundles and sofa bed trundles. They’re space saving and great for kids or guest beds and can be very affordable too.

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

Buy Now Pay Later Trundle Beds on Amazon

Did you know that Amazon will let you finance your bed purchase? It’s not available on every bed, so we found trundles that offer financing. Right on the product listing you’ll see the terms. The Zinus trundle bed, pictured below, has 5 equal monthly payments of $33.80: no finance charges, no interest or hidden fees, and no credit check or application required.

You can see the payment in Amazon search results (see the red box below):

buy now pay later trundle bed Amazon

Here are some of our favorite trundle beds that have monthly payments available:DHP Lina Metal Daybed with Trundle, Full Size Sofa Bed Frame, GoldDHP Lina Metal Daybed with Trundle, Full Size Sofa Bed Frame, GoldDHP Manila Metal Daybed and Trundle, Full Size Daybed and Twin Size Trundle, Multifunctional, WhiteDHP Manila Metal Daybed and Trundle, Full Size Daybed and Twin Size Trundle, Multifunctional, White
DHP Winston Modern Metal Daybed with Trundle, Twin Size Frame, GoldDHP Winston Modern Metal Daybed with Trundle, Twin Size Frame, Gold
Max & Lily Solid Wood Twin-Size Bed with Trundle Bed, WhiteMax & Lily Solid Wood Twin-Size Bed with Trundle Bed, White
Zinus Suzanne Twin Daybed and Trundle Frame Set / Premium Steel Slat Support / Daybed and Roll Out Trundle Accommodate Twin Size Mattresses Sold SeparatelyZinus Suzanne Twin Daybed and Trundle Frame Set / Premium Steel Slat Support / Daybed and Roll Out Trundle Accommodate Twin Size Mattresses Sold Separately
Hillsdale Furniture 2179-010 Hillsdale Caspian Daybed with Trundle, Twin, WhiteHillsdale Furniture 2179-010 Hillsdale Caspian Daybed with Trundle, Twin, White
Best Quality Furniture K27 Full Bed W/Trundle, Dark GrayBest Quality Furniture K27 Full Bed W/Trundle, Dark Gray
Atlantic Furniture AR8032012 Concord Platform Bed with Twin Size Urban Trundle, Full, WhiteAtlantic Furniture AR8032012 Concord Platform Bed with Twin Size Urban Trundle, Full, White
Little Seeds Ambrosia Diamond Tufted Upholstered Design Daybed and Trundle Set, Twin Size Frame, TealLittle Seeds Ambrosia Diamond Tufted Upholstered Design Daybed and Trundle Set, Twin Size Frame, Teal
Little Seeds Ambrosia Diamond Tufted Upholstered Design Daybed and Trundle Set, Twin Size Frame, PinkLittle Seeds Ambrosia Diamond Tufted Upholstered Design Daybed and Trundle Set, Twin Size Frame, Pink
Baxton Studio BBT6469-Twin-Black Cosmo Modern and Contemporary Faux Leather Trundle Bed, Twin, BlackBaxton Studio Twin Modern and Contemporary Faux Leather Trundle Bed, Twin, Black
DHP Gail Twin Metal Daybed with Trundle, BlackDHP Gail Twin Metal Daybed with Trundle, Black
Donco Kids 3217-FSG_503-SG Princeton Trundle Bed, Full/Twin Slate GreyDonco Kids Princeton Trundle Bed, Full/Twin Slate Grey

More Buy Now Pay Later Trundles

Here are some more styles to choose from:

Day Bed with Trundle BedDay Bed with Trundle Bed
Twin Trundle BedTwin Trundle Bed


Buy Now Pay Later Beds with Affirm

These trundle beds are financed with Affirm.

Need a mattress to go with your trundle bed? Here’s our list of buy now pay later mattresses.

Pin for later: 

trundle bed buy now pay later

Nectar Mattress Unbox Mattress

How Many Months Can you Make Monthly Installments for Nectar Sleep Mattress and Base?

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Nectar is one of Unbox Mattresses top rated memory foam beds. They recently came out with a base (adjustable bed frame). What will your monthly payment be if you want both?

Depending on your credit, it will cost you the same as paying the whole amount up front but you can get it spaced out over up to 24 months to keep your payment down.

It’s fast and easy to get financing for your mattress purchase online, which is why so many online mattress brands use a finance company called Affirm. Nectar doesn’t make a profit from financing, they simply sell more beds because people don’t have to save up to purchase.

We break it down below…

How Many Months can you Make Monthly Installments for Nectar Mattress and Base?

In this example we will assume you are buying the Nectar king mattress with the king size adjustable base. You’ll also 2 free pillows. Be sure to add sheets if you need them.

If you want a king adjustable bed that is two separate mattresses so you can operate each side together or independently, then order 2 twin XL mattresses (they will be 80 inches long, the same length as the adjustable base) with a SPLIT king adjustable base. Otherwise order a king mattress and base.

Buy a Nectar Mattress and Base


$924 for a king size Nectar adjustable base
$1,199 for a king size Nectar mattress
Sales tax – depends on the state you live in, my state charged 0
Discount $125 (taken off automatically)
Total cost: $1,998

Buy a Mattress and Base

Note: you can pay an additional $149 for them to deliver, set up your new mattress and remove your old mattress.

Nectar uses Affirm which is what most boxed companies use to finance purchases.  They allow you to break everything down to an affordable monthly payment. It’s also instant approval if you qualify so you know immediately what the terms on. You don’t have to wait until you finish payments either – you get your mattress and base right away.

Affirm Mattress Financing

In my hypothetical example, here’s the step-by-step of how Affirm mattress financing works.

Step 1: Choose the products you want to buy and at checkout, choose PAY WITH AFFIRM.

It’s highlighted below.

Nectar mattress monthly payments

The next screen will ask you to confirm your shipping and billing address. Click the button “continue with Affirm” at the end of the page.

Step 1: Enter the 5 pieces of information requested

  • Name
  • Email
  • Mobile phone number
  • Date of birth
  • Last four digits of your social security number. Be sure this information is your own and is consistent information otherwise you may experience difficulty with your checkout.

You will get a text message to your cell phone with a unique authorization code to confirm your identity. Enter the authorization code into the application form.

Within a few seconds you’ll see the loan amount you’re approved for, the interest rate, and the number of months you will have to pay off your loan.

At this point you will see the monthly payment and how long you will pay it.

Here’s how mine broke down:

Step 2: Select the best option for you.

I picked the $111 payment for 18 months. I have no interest to pay and don’t have my first payment due until next month.

Step 4: Enable autopay (or not).

Note: you won’t get charged or complete the sale yet.

Step 5: Confirm your purchase.

You are now ready to buy, click “confirm loan” to buy.

Want to try it yourself?

Go to Nectar Website

How Affirm Works

You can pay the amount over as little as 3 months up to 24 months. Some purchases may require a downpayment.

• If approved, you will see the loan terms before you make your purchase. You’ll know exactly how much you’ll owe each month, the number of payments, and the total amount of interest you’ll pay over the course of the loan. There are zero hidden fees.

• Even if you don’t have an extensive credit history you might still qualify for Affirm financing. Affirm does not affect your credit score.

• Opt in to get an email and text reminders of when your payment is due. Turn on “Autopay” to schedule automatic monthly payments. Pay with a debit card, bank transfer, or check.

Want to buy another mattress? See leesa mattress financing or other brands in our big list of brands that use Affirm.

Mattress Firm Kicks Off Memorial Day With Big Sales

By | Adjustable Bed, Adjustable Bed Review, Baby Mattress, frames, Mattress Financing, Mattress Sale, Memory Foam | No Comments

Mattress Firm Memorial Day Sale

Mattress Firm has their Memorial Day sale going on now. Prices are good in store and you can order them online. We recommend buying online and skipping dealing with a mattress salesperson. See our list below for some of the top deals this year!

Memorial Day Sale: Free Adjustable Base on $599+ Mattress Purchase + Get a King for a Queen and a Queen for a Twin!
mattress firm memorial day sale mattress firm memorial day sale

The sale runs from 5/16 to 5/29 at and you have many choices in different price ranges to choose from. You can also chat with a sleep expert on their website to answer any questions you might have. The advantage is they offer free delivery and it’s really fast. You just schedule it through their site.

  • Free adjustable bed when spending at least $599 on a mattress
  • King mattresses for queen prices, queen mattresses for twin prices
  • 50% off many mattresses – WEB ONLY
  • $297 – Serta Perfect Sleeper Alesbury 8” Memory Foam Mattress in Queen
  • $397 – Beautyrest Greenwood Firm Mattress in Queen
  • $149 – Sleepy’s Basics Firm Mattress in Queen
  • $199 – Sleepy’s Calm Euro Top Memory Foam Mattress in Queen
  • $299 – Sleepy’s Rest Firm Mattress in Queen
  • $575 – Tulo Soft, Medium or Firm Mattress in Queen
  • $699 – Beautyrest Recharge Signature Select Hartfield Luxury Firm Mattress in Queen
  • $799 – Beautyrest Recharge Signature Select Vinings Plush Mattress in Queen
  • $899 – Beautyrest Recharge Signature Select Bay Spring Pillow Top Mattress in Queen
  • $1199 – Serta iSeries Hybrid 100 Firm Mattress
  • $1399 – Serta iSeries Hybrid 300 Plush Mattress
  • $1599 – Serta iSeries Hybrid 500 Cushion Firm Mattress

Also check out our list: best memorial day mattress sale and the Purple Memorial Day Sale

Bed in a Box Mattress Financing With Affirm Credit

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Affirm mattress financing is a way to buy a mattress online and pay in monthly installments. It’s a great choice when financing a mattress purchase so you don’t have to pay the full cost up front but can get your bed right away.

Keep reading for a list of online mattresses that use financing online. 

Affirm minimum credit score

When applying for Affirm credit, they will perform a soft credit check to check your identity and determine if you are eligible. Affirm does not specify the minimum credit score they require and checking WILL NOT affect your credit score. They simply assess your risk as a buyer and set your interest rate based on the check.

If you use Affirm to pay you will get the product from the bed in a box mattress company just like if you paid with any other method. Affirm will pay the company and then bill you monthly.

We provide this service free and may earn a small commission if you shop through our links (at no cost to you).

List of Bed in a Box Mattress Brands that Accept Affirm 

The mattress companies that let you buy now and pay later with Affirm include:

Amore Beds (use other financing with 0% interest)
Avocado Green Mattress

Bear Mattress
Brooklyn Bedding
Casper (use code UNBOX50 to save $50).
DreamCloud (they break it down by monthly payment/bed size)
Eight Sleep
Happsy organic mattresses

Kutson – uses Klarna
Layla copper infused mattress
Luma Sleep – latex mattresses. No Payments + No Interest if paid in full in 6 months on purchases of $99 or more.
Nature’s Sleep
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
PlushBeds natural latex and other beds
Puffy  – they actually use Klarna who has even better terms than Affirm

Saatva – Klarna
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
Voila hybrid mattress that comes in plush, medium and firm
Wright Bedding
Zinus – economy mattresses and bed frames

The popularity of bed in a box mattresses has skyrocketed in the past few years! It’s easy to see why — they are very comfortable, affordable and durable mattresses that are delivered directly to your door. Plus you get to actually sleep on the mattress you buy for at least 3 months and get a full refund if you decide a mattress isn’t for you.

However, even with the great prices, it can be a lot of money up front. That’s why many boxed mattresses offer easy financing. You pay for your cell phone, your car and other important purchases you depend on every day with financing. Why not your mattress that you’ll sleep on every night (and that will affect the quality of your life and health)?

Cariloha mattress in a box

Bed in a Box Mattress Financing With Affirm Credit

What about paying for that mattress, the sheets, the pillows, the bed frame, mattress protector, the headboard, etc? It can add up but protecting and getting the most from your mattress could add up to a big amount. We pay for our phones and cars monthly, why not our beds where we spend so many hours on each day?

However, mattresses and bedding are a large payment to pay all at once. You need a new mattress right away – you’re not sleeping well on that mattress you bought years ago that has big divots now. Your back is hurting. Or maybe you moved into a new house or have a child moving from crib to a big kid bed. You know you need a mattress but you don’t need the big hit on your budget or credit card bill. That’s why you may be thinking about bed in a box mattress financing with Affirm credit.

One of the most popular bed in a box products is the Purple mattress.  Unfortunately, bed in a box products like the Purple mattress can be quite expensive. That is why many bed in a box companies offer financing with Affirm — a leading provider of small loans for consumer purchases.

Most companies use Affirm so we want to let you know what to expect when you do Bed in a Box Mattress Financing With Affirm Credit. 

Get your Mattress Now, Pay Later 

A mattress is a big purchase and many people don’t have the money upfront to buy one.

No Interest Plus Skip the First Month’s Payment

Affirm gives you a low monthly payment and often without interest and you don’t need to take out another credit card.

Applying is easy and you get an answer within seconds.

Get your mattress now but pay later.

Let’s take a closer look at Affirm and how you can obtain your bed in a box mattress on credit.

What is Affirm?

Affirm offers consumers financing for small to medium purchases from selected merchants. The finance is offered at the point of sale, so you can apply for Affirm credit right on the website when you buy a mattress.

Obtaining credit from Affirm is very simple and an easy option and many bed in a box manufacturers offer Affirm.

Affirm is an alternative to credit cards and personal loans. However, unlike many personal loans, Affirm has no prepayment penalty. That means you can pay the loan back as quickly as you want.

How Affirm Works

Once you decide to purchase your mattress online, you can select Affirm as your payment method. Then provide a few personal details so they can perform a soft check on your credit score. This type of credit check will not affect your credit score in any way. They will determine your risk as a borrower before approving you. Your credit score helps determine the interest rate that you’ll get. Rates can be anywhere from 10% to 30% but many offer 0% interest for a set number of months.

We tried to buy a Purple mattress…we wanted to get it now but pay as we go. So we selected Affirm at checkout. The total was $2,347.44 for a queen size Purple 3 mattress.  It took 4 easy steps and went really fast:

After you have been approved, you select a repayment schedule which will be 3, 6, or 12 months. Affirm will show you exactly how much you will need to repay each month, including interest so there are no surprises.

Save on interest by paying faster (6 months interest free, then it jumps to over 15% for a year, etc.). You don’t pay that much more in interest for a lower payment stretched out over 18 months.

Once you complete the purchase, the merchant will send you the product and Affirm will send the merchant the money so you can get your mattress right away. You then pay back Affirm on a monthly basis.

You pay the month after you place your order.

You can enable autopay so you don’t have to remember to pay.

Affirm Reviews

Users at CreditKarma gave Affirm a rating of 3.8 our of 5. Reviewers used Affirm to purchase things like mattresses, car tires, shoes, computers, and white goods. The lowest reviews were mostly from users who had trouble with the merchant. In some cases, they had to return goods and were charged an unexpected restocking fee by the merchant. Other complaints were relating to late payments affecting their credit score. Compared to other finance providers, Affirm has a very high rating and high level of customer satisfaction. Just remember – you do need to pay your monthly payment on time and Affirm isn’t responsible for the return process or fees from the brands you buy from.

Affirm Q&A

Why use Affirm?

Purchasing a mattress can be a large up front payment. For example, Purple, one of the most popular mattress brands, sells mattresses ranging in price from $1,299 to $3,499. But it’s not just the mattress. These mattresses are usually only the top part. You may need to buy a bed base (or even an adjustable base), new sheets, a mattress protector and pillows. Affirm makes it easier to afford your mattress and everything you need to go with it.

Affirm is easy to apply for and you will be approved quickly. Managing repayments is simple and their interest rates are quite competitive. You will know exactly how much the repayments are, which makes managing your finances simple.

Is Affirm safe?

Affirm is a leading company in this space (almost everyone uses them). They’re a reputable company that has been offering consumer finance for many years. They provide you with a clear repayment schedule and there are no hidden fees (no late repayment fees and no prepayment fees).

However, like all credit products, there is some risk involved. If you stop making payments, the amount of money you owe will continue to increase due to the interest being charged. It will also affect your credit score. You should only enter into this agreement if you can afford the monthly repayments.

Does Affirm report to credit bureaus?

For loans requested on or after August 3, 2016, Affirm reports information about your credit activity to Experian. They intend to report to more credit bureaus in the future.

Does Affirm build credit?

Yes! Paying back an Affirm loan on time will improve your credit score. It’s a great way to improve your credit. Be sure to set up automatic payments through your online bank if you’re forgetful. The number one thing you need to do to build your credit with your mattress purchase, is to pay each month on time.


We hope you enjoyed reading Bed in a Box Mattress Financing With Affirm Credit. If you have any questions about Affirm or buying a bed in a box mattress, post comment below!