Puffy Mattress Financing

Puffy is a popular mattress-in-a-box manufacturer that sells the “Puffy Mattress”. As the name sounds, Puffy mattresses are more cloud-like with a softer feel. The mattresses are Made in the USA, come with generous lifetime warranty, and available at a reasonable price.

Maybe you don’t have the money or want to put it all towards a mattress right now. Though they don’t make money on financing, Puffy Mattress financing makes it possible for more people to get the new mattress they want.

Puffy Mattress offers financing through Klarna. Choosing this option lets you pay for your mattress over the course of 6 to 24 months. Klarna also offers an interest-free period, which allows you to purchase a mattress on finance without incurring any interest payments.

Monthly payments for Puffy mattresses start at $25 per month, making it an extremely affordable option for buying a new mattress. This guide will give you all of the information you need to know take advantage of Puffy mattress financing. You can get your mattress right away but have a monthly payment.

Plus right now you get a FREE Puffy Pillow with mattress purchase.

Prices are subject to change, check website to confirm. We may earn a commission and you may sleep better when you shop through our links.

How Do You Finance A Puffy Mattress?

Time to learn more about Puffy Mattress financing and how it works. Each gives you 100 days to sleep on the mattress and if you’re not happy, return it for a full refund. They have a lifetime warranty. You’ll also get a FREE pillow.

Obtaining finance for a Puffy mattress is simple, just follow these steps:

1. Choose a Puffy Mattress 

Visit the Puffy website and choose a mattress to purchase.

There are 3 options available. All but The Puffy come in all foam or hybrid versions (it’s easy to miss the hybrid models on their website). We listed them from least to most expensive:

The Puffy
This is the first mattress released by Puffy. It is a three-layer all foam mattress which is designed to provide complete pressure relief on the body. This is their lowest cost mattress.

The Puffy Mattress is medium soft, 10″ deep and includes:

• Firm Core Support Foam 
This is a layer of firm  polyurethane foam (non-latex) at the base of the mattress
• Climatecomfort™ Foam
 A layer of breathable VPF-manufactured polyurethane foam that provides pressure relief and makes the mattress resistant to temperature fluctuations
• Puffy’s Cooling Cloud Foam™ 
A layer of gel infused visco polyurethane foam (non-latex) which is extremely soft and comfortable to lay on.

Price

The Puffy starts at $495 ($83 per month on 6 months interest-free finance) for a Twin mattress and goes up to $1,050 ($88 per month on 12 months interest-free finance) for a Cal King. You have the option of paying as little as $25 per month using Klarna finance.

Choose from Memory Foam or Hybrid (there are 2 tabs)

The Lux

The Puffy Lux is a four-layer mattress that provides additional support. Choose from the all foam Lux or the Lux Hybrid (has springs).

The thickness is 12 inches deep, and the layers include:

• 1.5″ Gel-Infused Memory Foam
• 1.5″ Polyfoam
• 2″ Transition Polyfoam
• 7″ Polyfoam

This is the softest Puffy mattress. The others are medium.

Puffy Lux Price

The Puffy Lux starts at $1,145 ($96 per month on 12 months interest-free finance) for a Twin mattress and goes up to $1,695 ($142 on month for 12 months interest-free finance) for a Cal King. The Puffy Lux hybrid starts at $1,495. You have the option of paying as little as $25 per month using Klarna finance.

The Puffy Royal

Choose from the Puffy Royal 14″ all foam cooling mattress or the Royal Hybrid with springs. This model is made to sleep cooler than the other two. We couldn’t find the exact layers by inches, but here’s what we have:

• 1.5″ Cooling Foam
• Cooling Polyfoam
• Zoned SMT Polyfoam
• 2″ Polyfoam

Puffy Royal Price

Puffy Royal starts at $1,645 for a twin all foam version or $1345 for a hybrid twin.

Once you have decided which mattress to purchase, add it to your cart. To give you an idea of how financing works, we created an example. Say you decided to purchase The Puffy – Queen Size, for $850 ($71 per month on 12 months interest-free finance).

Now is the perfect time to purchase some accessories for your new mattress. We decided to add the follow to our shopping cart:
Puffy Mattress Foundation – Queen Size ($215)
Puffy Mattress Protector – Queen Size ($105)

It is particularly important to include a mattress protector as it will ensure your new mattress stays clean and hygienic. Once it gets spills or food into the foam, it will start to build bacteria which will degrade the foam over time. It will also help you avoid any issues should you need to return your mattress. The total cost for our order ends up being $1,170.

2. Checkout
 with Klarna

Click on the Checkout button and complete the form on the next page by filling in your personal details. After submitting this form, Puffy will display your delivery address and shipping method (including estimated delivery date). Click on the Continue to Payment button to finalize your order.

To buy your mattress using Klarna, select the checkbox that says Slice it. Pay over time with Klarna. Then select Complete order. If you have not received finance from Klarna before, you will be asked to complete a form with some personal details including your date of birth, mobile number, and the last 4 digits of your SSN.

After submitting the application form, Klarna will perform a soft credit check. This type of credit check does not affect your credit rating. If you are approved for the loan, you will be shown the terms of the loan. If you are satisfied with the loan agreement, click accept. Your new mattress will should arrive within 5 business days.

The best part of using Klarna is that they offer a no-interest repayment period of 6-12 months on $499-$1499 orders. This makes it a very affordable option for purchasing a Puffy mattress.

Another benefit of using Klarna is that you can pay at your own pace. Although there is a small minimum monthly repayment of just $25 dollars, you can adjust your repayments each month. If you can afford to pay extra, you can do so and pay off your mattress earlier than expected. If money is tight, you can pay the minimum amount that month.

Puffy mattress financing FAQ

Is Klarna safe to use?
Yes, Klarna is a reputable lender and is fully regulated.

Do you need to put down a deposit?
No, using Klarna finance does not require a deposit.

How much interest will you pay?
Klarna offers customers an interest-free period of between 6 to 12 months, based on the size of the loan you are obtaining. After this period, you will pay a 19.9% annual interest rate

How long do you have to pay back the loan or pay off the lease?
Klarna loans are designed to be paid off within a couple of years. However, if you only pay the minimum amount on your loan, it may take up to 5 years to pay for your mattress. You have complete control over how quickly you pay back the loan.

How can you pay the bill?
Klarna offers several repayment methods including debit card, bank account, and check payments.

Do you need to have existing credit score to get finance? 

Yes, you will need a credit score is to obtain finance through Klarna.

Will their credit score check affect my credit rating?
No. Because Klarna uses a “soft” credit check it will not show up on your credit report and does not affect your credit score.

How soon will my new mattress ship?
Puffy will ship your mattress as soon as you have been approved for finance by Klarna. Most deliveries arrive within 5 business days.

Why use Klarna to finance your mattress?
Here are just a few of the reasons to use finance when purchasing a new Puffy Mattress.

• You can split the cost of your mattress over several affordable monthly payments
• Klarna offers a generous interest-free period on its loans
• There are no hidden fees
• You know immediately if you are approved for a loan
• Klarna only performs a soft credit check when assessing your eligibility for a loan

Thanks for reading How Puffy Mattress Financing Works. For more mattress financing, browse our other mattress financing guides. Or, consult our list of buy now pay later mattresses.

Helix Mattress Financing

Looking to buy a Helix mattress but not sure how you can afford it? Or maybe you’re just smart and want to conserve cash. Why not let Helix finance it and get your mattress (and better sleep) now? Our Helix mattress financing guide answers all your questions.

Helix Sleep is a leading mattress manufacturer that offers a wide range of high-quality mattresses and bedding accessories. Their American-made mattresses are available in many configurations and come with a generous 10-year warranty.

Helix Sleep has teamed up with Klarna and Katapult to offer customers easy access to mattress financing. Their financing program lets customers order one of their high-quality mattresses today and pay it off via monthly installments. Repayments are as little as $25 per month, which makes it a very affordable way to obtain a brand new Helix mattress.

In this guide, I’ll explain exactly how you can take advantage of Helix Sleep’s mattress financing and order your new mattress today. We may earn a commission when you shop through our links. The information in this article was current at the time written but may change.

How to Finance A Helix Sleep Mattress

Helix has made it very easy to purchase a mattress with finance. They don’t try to make money on Helix mattress financing – it simply helps their customers make a purchase who may not otherwise be able to get a new mattress.

1. Choose the Helix mattress you want to buy
Visit the Helix website and browse the mattresses that are available or take their handy mattress quiz to decide. They have a fantastic selection of mattresses available, which vary in price from $500 to $2,400. Also, check the Helix Mattress Sale page for current deals to save you money.

Their mattresses can be divided into 3 categories:

Standard Helix Mattresses
There are nine different Standard Helix Mattresses available, including the:

• Helix sunset (Soft feel mattress designed for side sleepers)
• Helix Moonlight (Soft feel mattress with additional back and stomach support)
• Helix Midnight (Medium feel mattress for side sleepers)
• Helix Twilight (Firm mattress designed for side sleepers)
• Helix Nightfall (Speciality medium mattress designed for plus size and tall people)
• Helix Dual Balanced (Speciality mattress with one side firm and one side soft)

Helix LUXE Mattresses

Helix LUXE mattresses are upgraded to include body zoning and premium quilted pillow top with Ultra Breathable Cover. They are also 2” taller than Standard mattress. Of course these models will be priced higher. There are six different Helix LUXE mattresses available:

• Helix Subset LUXE (Soft feel mattress for side sleepers)
• Helix Moonlight LUXE (Soft feel mattress for back sleepers)
• Helix Midnight LUXE (Medium feel mattress for side sleepers)
• Helix Dusk LUXE (Medium feel mattress for back sleepers)
• Helix Twilight LUXE (Firm feel mattress for side sleepers)
• Helix Dawn LUXE (Firm feel mattress for back sleepers)

Birch by Helix Organic Mattress

Birch mattresses are made from all natural and organic materials including the proprietary Birch wool, which is sourced from New Zealand. It has a hybrid design with a combination of latex and body-contouring springs. 

If you are unsure about which mattress to purchase, use the mattress selector tool provided by Helix. You can enter your attributes and sleeping preferences to see which mattress is right for you.

After selecting and configuring your mattress, consider adding some accessories including sheets, pillows, and a bed base. You should also add a mattress protector to your purchase. It will help you ensure that your mattress remains in excellent condition. After spending so much money on a mattress, it only makes sense to protect it from contaminants!

To give you an example of total repayments, let’s say you are ordering:

• Helix Sunset LUXE — Queen size ($1,595)
• 2 x Pillows (FREE)
• Mattress protector ($90)
• Foundation ($275)
• Frame ($175)

This comes to a grand total of $2,285 to buy it outright.

2. Checkout
Click on the Checkout button and fill in your personal details. If you intend to use finance, select either Klarna or Katapult on the payment page. The difference between these two options are as follows:

Klarna offers short term loans that are no-interest if paid in full within 6-12 months on $499-$2499 orders. If you have not paid the loan off within the no-interest period, you will be charged 19.99% APR. A minimum monthly payment is also required each month. A credit check is required to receive a loan from Klarna.

For people with low or no FICO scores offers alternative financing with Katapult. Formerly called Zibby, Katapult offers alternative financing for people with low or no FICO scores. The catch is that there is a small fee – there’s a non-refundable $45 initial payment required. You will also be subject to credit approval. This is a slightly more expensive option than Katapult but useful if you have poor credit.

Both Klarna and Katapult offer instant approval, so you can purchase your mattress immediately. Applying takes less than a minute and it won’t affect your credit score.

To checkout using Klarna

1. Select “Slice it. Pay over time” with Klarna as payment method and click “Complete Order”
2. Review eligible plan details and click “Place Order”.
3. Complete your application by adding your date of birth, last 4 of SSN, mobile (pre-filled) and clicking “Continue”.
4. Check box to agree to terms and submit application.
5. Receive instant decision and be redirected to order confirmation page if approved.

To checkout using Katapult

1. Select “Katapult Lease-to-own” with Katapult as payment method and click “Complete Order”
2. Enter your mobile phone number. This will act as your log in for your Katapult account.
3. Enter the code you receive via SMS to verify your phone number.
4. Enter your credit card payment information.
5. Katapult will provide the result of your approval results instantly after submitting your information.
6. Review your order details and submit your order and Helix will start processing your order.

You can set up auto pay so you never have to remember when your payment is due.

Helix mattress financing FAQ

Is is safe to use Helix Sleep Mattress Financing?

Yes, it is perfectly safe. Both companies have been operating in the United States for several years and are regulated lenders.

Do you need to put down a deposit?

Klarna does not require a deposit, but Katapult will require a $45 payment at checkout.

How much interest will you pay?

Klarna charges 19.9% interest APR after any interest-free period has ended. Katapult does not charge any interest, but the lease payments you pay will be higher than the total price of your purchase. Katapult considers the price of the product, the state where you live, the lease duration, and taxes when calculating total lease payments.

How long do you have to pay back the loan or pay off the lease?

Katapult provides loans that can be paid off in 3, 6, 12, or 24 months with 6-12 months interest free on $499 – $1499 orders. Katapult leases vary in duration, mostly based on how large your purchase is and how high your repayments are.

How can you pay the bill?

Klarna and Katapult offer several repayment methods including debit card, bank account, and check payments.

Do you need to have existing credit score to get finance?
A credit score is needed to obtain finance through Klarna. However, Katapult will often provide leases to customers who don’t have a credit history or a poor credit history.

Will their credit score check affect my credit rating?

When assessing your eligibility, both Klarna and Katapult will perform a “soft” credit check. This kind of check does not show up on your credit report and does not affect your credit score.

How soon will my new mattress ship?

Helix will send your new mattress as soon as you have been approved for finance. It takes between 3-7 business days for your Helix Mattress or 6-10 business days for your Helix Luxe Mattress to arrive to your home.

Thanks for reading Helix Mattress Financing. For more information on mattress financing, browse our other guides.

Nectar is one of the most successful mattress-in-a-box manufacturers in the United States. They sell the highly popular “Nectar Mattress” – a premium memory foam mattress that starts at $399. With Nectar mattress financing you can pay monthly but get your mattress right away.

Nectar Sleep is famous for their amazing YouTube ads, featuring a brain. “This is your brain on Nectar” it says. Or the motivational sleeper.

People especially love that Nectar has a full year trial period and a forever warranty.

If you’re considering buying a Nectar mattress and want to get it now but pay as you go, this guide will help you know what to expect. College students or anyone who wants to preserve their cash will want to check out the financing options that Nectar offers.

Using financing to purchase a Nectar mattress means you can avoid large upfront payments and get the good night’s sleep you deserve at an affordable price. Mattress repayments start at $59 per month, which is less than you probably spend on soda every day.

The best part of purchasing a Nectar mattress on finance is that there are no fees. Affirm does not charge any late fees, service fees, or prepayment fees. This guide will explain how Nectar Mattress Financing works and how to use it when you make your next mattress purchase.

Warranty on Nectar mattresses is what they call forever and you have a full 365 nights to sleep on any bed they sell and get a full refund within that timeframe, if you’re not happy.

We may earn a commission when you shop through our links.

Nectar Mattress Financing

Nectar has made it easy to purchase their mattresses by offering financing via Affirm. You can purchase a brand new Nectar mattress today, get it, start sleeping on it, and pay later. And checking your eligibility won’t affect your credit.

You can pay for your Nectar mattress in low monthly payments. Choose to pay it off over 6, 12, or 24 months. The interest rate varies between 0% and 30% APR and you’ll know right away what you qualify for.

Here are the steps:

1. Choose the Nectar mattress you wish to purchase


Nectar has two mattresses to choose from, the Nectar Mattress and the Nectar Lush Mattress. Right now Nectar is offering 2 FREE pillows, mattress protector AND sheets with a Nectar mattress purchase! A $399 value.

Nectar Mattress

A queen size weighs 74 lbs and is listed at $799 right now.

The Nectar mattresses are 11 deep, medium firm and have the following features:

• Breathable Base Layer
A strong breathable foundation that supports other contouring and supporting layers.
• Adaptive Hi Core Memory Foam
Thick layer of memory that provides rebound and bounce.

• Gel Memory Foam
Slightly thinner piece of gel memory foam that helps to distribute your weight evenly across the mattress.
• Quilted Gel Memory Foam
Another layer of memory foam to support your body and provide increased air circulation.
• Tencel Cooling Cover
Helps cool the body by circulating air and wicking away heat.
• CertiPUR-US® Certified
All foam used in Nectar Mattresses complies with CertiPUR-US® certifications.

Nectar Lush Mattress

The Nectar Lush Mattress is a medium firm mattress that’s 12 inches thick and is all foam/memory foam construction. A queen size is 74 lbs and is $1399. It’s made to sleep cooler than the original and is an inch thicker.

Financing for the Nectar Lush Mattress can be 0% APR financing as low as low as $78/mo at 0% APR.

Visit https://www.nectarsleep.com/mattress to learn more about the mattress and make your selection.

Now, Nectar mattress has one of the most generous return policies and warranties you can find anywhere. You can keep it for a FULL YEAR and if at any time you decide to return it, get a full refund. Plus, it has a FOREVER WARRANTY.

How to Buy a Nectar Mattress on Credit

Use this link to select the mattress and size you are interested in purchasing from the drop down box. Now is a good time to add any bedding accessories that you want, including a bed base, sheets, pillows, and mattress protector. We HIGHLY recommend that you get the mattress protector but right now it’s FREE.

It is very important to include a mattress protector with your purchase as it will keep your mattress in newer condition. This makes it easier to return the mattress if you are unhappy with it. A mattress protector will also improve mattress hygiene as it will prevent dust, mold, and moisture from contaminating the mattress.

We want to walk you through financing a Nectar Mattress with this fictitious order. There are items that are FREE right now but for this exercise we’re going to figure it as if they are regular price.

In our example, we ordered:
The Nectar Memory Foam Mattress — Queen Size ($699)
Mattress Protector x 1 ($89) FREE RIGHT NOW
Sheets x 1 ($89) FREE RIGHT NOW
Platform Bed x 1 ($250)

Our order today came to $1,127. To the right of this figure is an estimated monthly repayment cost if you select financing. In our case, repayments will be as low as $63 per month (at 0% interest).

If you are happy with your order, click PRE-QUALIFY NOW above the ADD TO CART button, like in the image below.

2. Verify your mobile number.

Next it will ask for your mobile number and send a verification code. Once you add the code to verify, again this won’t affect your credit, it tells you the AMOUNT you qualify for. Then you’ll see the payments for your order, based on how long you choose: either 3, 6 or 12 months.

3. Review the details and complete your purchase.

If Affirm has approved your credit application, you will receive all of the details relating to the loan. This will include the length of the loan, monthly repayment costs, and the interest rate that you will be charged. Read the terms and conditions of the loan before accepting it. If you accept the terms of the loan, Nectar will immediately begin processing your order and you should receive your mattress within a couple of weeks.

Example:

Next select the term and complete your order. You can pay your bill automatically online. They will remind you when payment is due.

Nectar Mattress Financing FAQ

What is Affirm?
Affirm provides real-time financing for online purchases. They act as an alternative to paying for purchases using a credit card or other credit products.

Is Affirm safe to use?
Affirm is reputable financial company that is fully licensed and regulated. They have been providing finance for mattresses and other consumer items for several years and have a 3.5 reputation on CreditKarma (high compared to most finance providers).

Do you need to put down a deposit?
No, you do not to place a deposit when using Affirm to finance a Nectar mattress.

What fees are involved?
Affirm does not charge any additional fees. That includes late fees, service fees, and prepayment fees.

How much interest will you pay?
The annual percentage rate (APR) due on your loan will be between 0% and 30%, based on your credit rating. If you are on active military duty, you can apply for a 6% interest cap on your purchases.

How long do you have to pay back the loan?
The length of your loan is based on how much you are borrowing. Affirm offers repayment terms of 3, 6, 12, or 24 months for Nectar mattresses. You can always pay back your loan early if you wish.

How can you pay the bill?
There are several repayment options available including debit card, bank account, and check payments.

Do you need to have existing credit score?
Yes, a credit score is needed.

Will their credit score check affect my credit rating?
Affirm credit only performs “soft” credit checks on applicants. This types of eligibility check does not show up on your credit report and does not impact your credit score.

How soon will it ship?
After you have been approved by Affirm, Nectar will process your order and get your mattress into the post. Most people receive their mattress within 2 weeks.

What are the advantages of using Affirm?
There are several advantages obtained by using Affirm including:

• You can order a Nectar mattress today and pay it off over several months. This makes ordering a new mattress much more affordable.
• Affirm will tell you precisely how large your loan is and how much your monthly repayments will be.
• There are no hidden fees.
• The application process is secure and very fast.
• You won’t need a credit card to purchase your mattress.
• An extensive credit history is not required to obtain finance from Affirm.
• Affirm’s handy autopay function makes it easy to pay back your loan, making financing ideal for college students.

Thanks for reading How Nectar Mattress Financing Works. For more information on mattress financing, browse our other mattress financing guides.

Over the past decade, airweave mattress has become known as one of the world’s most innovative mattress manufacturers. They are a technology focussed company that  developed airfiber® which replaces traditional mattress materials like foam and metal springs. If you want to purchase now and pay as you go, consider airweave mattress financing.

Airweave is a modern, minimalistic mattress that’s made in Japan. It’s a lower profile mattress. What makes airweave most unique is that you can breath through it – it’s made mostly of air (that’s why it’s called AIR weave). And it’s very easy to clean.

If you have allergies or want a very simple to set up and store (like you move frequently or have limited space) the airweave mattress is a great choice for you. It’s on the firm side though – so choose this mattress if you like extra support. You get a 100-night trial and a 10 year warranty.

You may get better sleep and we may earn a commission when you shop through our links.

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Airweave Mattress Financing with Klarna and Affirm

Airweave partners with two finance companies – Klarna and Affirm. With their help you can purchase a brand new airweave mattress today, and pay for it later with affordable monthly payments.

Applying for mattress financing is easy and there are no upfront costs. Payments are as low as $77 per month for airweave mattress financing and customers with a good credit rating can also access an interest free period on their loan.

To help you learn more about airweave mattress financing, this guide will explain how the whole process works and answer some frequently asked questions.

How to Finance An airweave Mattress

Airweave has worked closely with Affirm and Klarna to make purchasing a mattress on finance as simple as possible. It involves the following steps:

1. Choose The Airweave Mattress You Want To Buy
Start by heading over to the Airweave website and taking a look at their mattresses. They currently offer three airweave mattresses and an airweave Futon. Here is a short summary of what each product offers:

New Airweave Mattress
This mattress features a modular design with a soft polyester pillow top layer and three layers of airfiber® blocks. These layers are encased in a breathable polyester mesh cover. The airfiber® components are 6 inches thick, with the entire mattress being 7.4 inches thick. This is the softest mattress in the range.

It comes in a box in 3 rectangles stacked one on the other. You assemble them inside the cover. As the airweave mattress is lightweight and easy to transport, you can set it up or move it by yourself (and it’s not going to throw out your back!).

Prices start at $1,400 for a Twin mattress ($117 per month over 12 months finance) and go up to $2,100 for a California King ($117 per month over 18 months finance).

Airweave Mattress Advanced

If you like a firmer mattress, choose this one. Consists of two regular airfiber® blocks, one dual layer airfiber® block (regular/firm), a polyester pillow top layer, and a polyester cover. This mattress can be flipped to change the firmness feel. The airfiber® components are 7.1 inches thick and with the pillow top, the entire mattress is 8.5 inches thick.

Prices start at $1,420 for a Twin mattress ($119 per month over 12 months finance) and go up to $2,134 for a California King ($119 per month over 18 months finance). This  model is going to be phased out over coming months, so stock is limited.

Have a tough time breathing in your sleep? You can breath through the mattress and cover. Wash in the shower, tub or with a hose. Easily wash off dust and allergens.

Airweave Mattress Advanced (New)

This is a newer version of the airweave Mattress Advanced, featuring three dual mode Airfiber® blocks (2 x soft/moderate and 1 x moderate/firm), two polyester pillow top layers, and a quilted outer cover.

Prices start at $2,180 for a Twin mattress ($182 per month over 12 months finance) and go up to $3,270 for a California King ($119 per month over 18 months finance).

Airweave Futon

This is the MOST FIRM mattress that airweave carries. It’s thinner and lightweight. Thickness: airfiber®: 1.8″, with cover: 2.8″. A king size is just 33 lbs. Dual sided with 100% cotton for warmth on one side and cotton/poly blend for the cool side. Has a 3-year limited warranty. 

Prices start at $920 for a twin ($77 a month with mattress financing).

2. Select Add-ons

Once you have added a mattress to your shopping cart, take a look at the other products offered by Airweave. These items may make your sleeping experience even more comfortable. They include the:

• Airweave pillow which is like a miniature version of the mattress and has 2 inserts that you can leave or pull out to change the height of the pillow.
• Portable airweave mattress topper
• Airweave Hyperdown Duvet
• Ritz Paris Collection by Airweave (a unique mattress pad for airline seats)
• Dog Bed

Note: Airweave doesn’t sell futon frames, but you can find futons here.

After configuring your mattress and selecting any add-ons, the website will automatically update to show the total price. In our case, we added a Queen New Airweave Mattress Advanced and two pillows to our order. This comes to a single payment of $3,210 or monthly payments using finance. The repayments for this purchase will be calculated later in the checkout process.

3. Checkout

Next, we’ll begin the checkout process. Press the checkout button in the shopping cart menu to begin.

The website will ask you for your email address to begin. Once you have entered your email, you will be asked to enter other contact information as well as your shipping details.

When you click on the Payment section, you will have the choice of three payment methods: Credit card, Affirm, and Klarna. Make your selection now.

After clicking complete order, you will be redirected to the Affirm or Klarna application process. You will be asked several questions for identification purposes before your application is assessed.

During assessment, the loan provider will use the details you provided to perform a “soft” credit check. This type of credit check does not impact your credit score in any way.

The entire process takes a couple of minutes to complete and applications are usually assessed within a minute or two.

4. Review the details of the financial agreement

If your application is approved, you will be shown a page which explains the details of the loan agreement. You can see the loan duration, interest-free period, monthly repayments, the total price, and any interest being charged on your loan.

Make sure you read these details carefully, so you can accurately assess if you are able to afford repayments.

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Airweave Mattresses Come in Pieces that are Easy to Assemble

Common Questions About airweave Mattress Financing

What is Affirm?

Affirm is a global payment solutions provider which specializes in small consumer loans. Affirm is partnered with over 70,000 merchants around the world. Their loans are usually provided on a 6, 12, 18, or 24 month repayment basis.

What is Klarna?

Klarna is also a global payment solutions provider. They are partnered with over 200,000 online retailers. Klarna loans are typically repaid in 4 interest-free installments.

Do you need to pay a deposit?

No. Neither Affirm or Klarna require customers to pay a deposit when purchasing a mattress from Airweave.

What fees are involved?

Affirm does not charge any establishment fees, annual fees, prepayment fees, or late fees. If you have a good created score, your loan may be interest free for a certain period. After this period interest will being to accumulate on the amount owed on the loan.

If you have a poor credit score, interest may be charged over the loan duration. The interest rate for Affirm loans ranges between 0% and 30%.

Klarna doesn’t charge any establishment fees, annual fees, or prepayment fees either. However, they do charge late fees, if you fail to repay the loan on time. Klarna does not charge interest on loans.

How long do you have to pay back the loan?

If you are using Affirm, you will have a repayment term of 6, 12, 18, or 24 months. The duration will be based on several factors including the size of the loan, retailer preferences, and the strength of your credit score.

Klarna uses a slightly different approach. Consumers pay for the product with four interest-free payments. These payments are usually scheduled for every 30 or 60 days.

How can you pay the bill?

Both companies offer several payment methods including direct debit, debit card, credit card, and check payments.

Do you need to have existing credit score?
Yes, customers will need a credit score.

Will their credit score check affect my credit rating?

No. Bother companies use a “soft” credit check to determine loan eligibility. This type of credit check will not show affect your credit score in any way.

How soon will my airweave mattress ship?

Once you have been approved for finance, Airwave is informed and will begin processing your purchase immediately. You can expect your new Airweave mattress to arrive within 2 to 3 weeks.

Airweave Mattresses are Very Lightweight

Let us know if you have questions about airweave mattresses, airweave financing or mattress financing by leaving a comment below.

You care about the environment. Selecting nontoxic materials and products is important to you. You prefer organic cotton and more natural materials. You don’t want flame retardants, toxic glues, foam or fiberglass in your mattress. Then it’s no wonder you’re looking at Avocado Green Mattress. They’re an industry leader specializing in green or eco-conscious mattresses, bedding and furniture for the whole family.

Note that you may get better sleep and we may earn a commission when you shop through our links.

Avocado Mattress Financing

Adding up the cost to replace your mattress and bedding, you may want to use financing. It makes buying a mattress easier – you can get your mattress now but pay later.

You can get low monthly payments spread out over 6, 12, 18, or 24 months. Mattress companies like Avocado don’t make money on financing, rather they offer it so more people can afford a new bed.

Applying for financing is simple and there are no significant upfront costs involved. Payments start as low as $59 per month with a 0% interest rate. It is an affordable way to purchase a comfortable mattress immediately and enjoy the good night’s sleep you deserve.

To help you learn more about Avocado mattress financing, this guide will explain how the whole process works and answer some frequently asked questions. It’s pretty simple and quick. The entire transaction happens online. You will get your terms so you will know your payment and interest up front. Then you can pay your bill (including setting up automatic payments) or see your balance at any time.

Avocado stands behind their mattresses with a generous 25 year warranty and a full year trial period. That means you have a full year and in that time can return your mattress for a refund if it’s not a good fit for you.

How Avocado Mattress Financing Works

Avocado partners with Affirm for mattress financing. Affirm is a financial services company that provides small loans for consumers items to buy items like mattresses online.

Avocado mattresses are on the more firm side, even with the topper. You get a full 1-year trial period which means that you have a full 365 days to sleep on your new mattress and if it’s not for you, return it for a full refund. Avocado tries to place your mattress with a family in need should it be returned.

You get a 25 year warranty on your mattress.

The process for buying an Avocado Mattress using Affirm is simple:

1. Choose The Avocado Mattress You Want To Buy
Visit the Avocado website to take a look at the mattress options. They currently offer 2 mattress for adults and 2 crib mattresses. Their mattresses are more medium firm in feel. The pillow top will add some softness, but not change the feel dramatically.

Here is a short summary of what each product offers:

Avocado Green Mattress
The Avocado Green Mattress is an all-natural organic mattress that is GREENGUARD Gold Certified. The materials used in this mattress include GOLS organic certified latex, GOTS organic and OEKO-TEX Standard 100 certified wool, and GOTS organic certified cotton. As some mattress companies fake this, you can confirm their GOTS certification, here.

This is a hybrid mattress with 1,414 steel coils in three gauges, which are arranged to form 5 ergonomic zones. This internal pressure-point support system provides excellent back support and extended durability. The top of the mattress has needle-tufted rosettes made from cotton, to hold the layers together without the use of glue or adhesives that can be toxic.

The mattress is 11 inches thick. You can add a 2 inch thick pillow top for a more luxurious feel and additional height.

Price
Prices start at $899 for a twin (+$300 for pillow top) and go up to $1,799 for a California king (+$600 for pillow top).

Avocado Vegan Mattress

The Avocado Vegan Mattress has the gold standard in quality with the following certifications. All-natural organic mattress that is GREENGUARD Gold Certified. However, it is also a vegan mattress, which is produced without any animal-derived components. Instead of the wool found in the Avocado Green Mattress, the Avocado Vegan Mattress has cotton.

This mattress layers include a combination of GOLS organic certified latex, GOTS organic certified cotton. There are also 1,414 steel coils in three gauges, that are arranged to form 5 ergonomic zones, identical to the Avocado Green Mattress. The top of the mattress also has needle-tufted rosettes made out of cotton.

The Avocado Vegan mattress is 11 inches thick. However, you can add a pillow top that’s connected to the top of the bed (won’t slide around) to make a full 13 inches.

Price

Prices start at $899 for a twin (+$300 for pillow top) and go up to $1,799 for a California king (+$600 for pillow top).

Check Prices

Organic Crib Mattresses
Avocado also offer two different types of organic crib mattresses. The Organic Crib Mattress is made from certified organic cotton, wool, and latex.  It has a clever dual-sided design with different firmness levels. One side is ideal for infants while the other is suitable for toddlers.

The Luxury Organic Crib Mattress is a thicker mattress which is also made from certified organic cotton, wool, and latex. It also has 170 premium cotton-wrapped coils, for additional comfort.

2. Select Add-ons

After adding a mattress to your shopping cart, think about the add-ons which may be useful. Avocado offers a wide variety of other products, all with green standards in mind, including:

• Mattress toppers
  The Green Topper, Vegan Topper, and Alpaca Topper are designed to protect the mattress from damage and make it feel even more comfortable.
• Bed Bases
  Avocado offers a foundation base, metal bed frame, and the a new adjustable base.
• Bedding including Pillows
  Avocado has a huge range of high-quality organic bedding products. These products include pillows, sheets, mattress protector, pillow protectors, and alpaca throws. We recommend the nontoxic Avocado Green pillows that have the same certifications as the mattress.
• Furniture
  If you really want to give your bedroom a new look, you can also purchase a new eco-friendly dresser or end table.
• Adjustable base
  Featuring a gorgeous upholstered frame with GOTS organic certified cotton and wool. The legs are made from FSC-certified wood. You get a remote control with presets, silent motor, massage, edge-to-edge lumbar support, and under bed lighting.

A mattress protector is HIGHLY recommended with your Avocado Mattress. Avocado offers nontoxic mattress protectors – choose from waterproof or a mattress pad style. This will ensure that your mattress remains in excellent condition for longer. We recommend getting the waterproof protector if you have any chance of spilling any liquid, are a heavy sweater or may spill even water on your bed. Any liquid or substance may create what will look like a stain because of the lighter colored cover.

After adding your mattress and the add-ons of your choosing, the website will show you a total price.

3. Checkout
To get started on the checkout process, click the shopping cart symbol on the top right hand side of the screen. Then select Checkout.

You will be asked to enter some personal information, including you name, address, and phone number. Avocado will also ask you to select a preferred shipping method. Once you have entered your details, click the Next: Billing button on the bottom of the screen.

On this screen, you will be asked to enter your payment details. To finance your mattress, click the bottom option button. You will now see a large blue button that says Checkout With Affirm.

Clicking this button will start the Affirm finance process. You will be asked a series of questions for identification purposes. If you already have an Affirm account, you can log in to speed this process up.

Once you have confirmed your details, Affirm will perform an instant credit check to determine your eligibility for finance. This is a “soft” credit check that does not affect your credit score.

3. Review the details of the financial agreement
If you are found to be eligible for finance, you will be shown all of the details relating to the loan, including the repayment period, repayment amount, interest rate, and total cost.

Read the terms of the loan carefully before proceeding. If you are happy to continue, accept the agreement to be redirected back to the Avocado website. They will immediately process your purchase and send your new mattress. You can expect your new mattress to arrive within a couple of weeks.

Take me to the Mattress Options

Common Questions About Avocado Mattress Financing

What is Affirm?

Affirm is one of the world’s leading providers of consumer finance. They specialise in small loans for products like computers, mattresses, and white goods. Affirm partners with more than 70,000 merchants worldwide and is used by 60 million customers internationally.

Do you need to pay a deposit?

No. Affirm financing does not require customers to pay a deposit when purchasing an Avocado mattress.

What fees are involved?

Affirm does not charge any fees. This includes establishment fees, annual fees, prepayment fees, and late fees.

The only cost associated with using Affirm financing is interest on your loan. However, if you have a good credit score, you may be eligible for an interest free period on your loan. If you repay the loan before the interest free period concludes, you will pay no interest on your purchase.

If your credit score is below average, the annual interest rate on your purchase will be anywhere between 0% to 30%, based on your creditworthiness. Affirm offers a 6% interest cap active military personnel.

How long do you have to pay back the loan?

You will have a repayment term of 6, 12, 18, or 24 months, based on the size of the loan and the strength of your credit score.

How can you pay the bill?

There are many ways to pay back your loan, including direct debit, debit card, credit card, and check payments.

Do you need to have existing credit score?
Yes, you will need a credit score to obtain finance.

Does Affirm’s credit score check affect my credit rating?

No. The credit check applied by Affirm is a “soft” check. It does not appear on your credit report and does not affect your credit score.

How soon will my Avocado mattress ship?

Avocado will begin processing your order as soon as you are approved for finance. In most cases, your mattress will arrive within 2 to 3 weeks.

We hope this helps you finance an Avocado mattress and/or other items from this green-focused company.

If you have any questions that we didn’t cover, be sure to leave them in the comments and we’ll try to answer them for you.

Are 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 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 company 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. This is the only mattress company we know that works with 4 financing companies to get the very best terms they can so you can afford to buy a mattress you’ll love.

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 Satisfi and other partners to offer affordable, no-hassle mattress financing. And you can see if you qualify for Idle mattress financing without affecting your credit right now on their site.

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 mattresses. Decide which mattress you are interested in purchasing. Idle Sleep offer three types of mattresses, in a variety of sizes. There are 3 hybrids and 2 memory foam mattresses.

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.

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 20% and get 2 FREE PILLOWS

2. Apply for Financing – Fast & Easy 


To make the purchase using Satisfi, 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 Satisfi. 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.

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!

Common Questions About Idle Mattress Financing

What is Satisfi?
It’s a financing arm of Synchrony Bank. Idle also works with Genesis Credit and Katapult (formerly Zibby).

Will I be charged interest?
No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar.

What is Katapult?
Katapult offers lease-to-own financing for purchases up to $3,500, subject to approval by Katapult. Katapult is currently available in 46 states and Washington D.C. and not available in Minnesota, New Jersey, Wisconsin, and Wyoming.

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!

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 on some mattresses. An Amazon monthly payments mattress means you can get your mattress right away but pay for it as you go.

Amazon offers competitive prices, excellent customer service and a hassle-free return policy. They also have a huge selection of mattress in a box beds 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 or affect your credit score.

Not every mattress is an Amazon monthly payments mattress though (although this value mattress brand often does). Don’t worry, I’ll show you how to find the ones that do have financing!

We may earn a commission when you shop for an Amazon monthly payment mattress through our links–and you’ll get better sleep.

Amazon Monthly Payments Mattress

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.

You’ll be able to tell if a mattress on Amazon has monthly payment options by the listing. It will state the monthly cost and terms right under the price. The good news is there are no fees or interest charges.

Big name brands like Serta and luxury to economy brands (like Zinus) all offer financing.

Like in this example:

See Amazon Mattresses with 0% Interest Financing

Who Qualifies for Amazon Mattress Financing

Here’s the catch. Not every customer will qualify for an Amazon monthly payment mattress with a payment 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 Amazon.com account must have been active for at least one year.

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

4 – You must have a good payment history on Amazon.com.

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.

Click the image below if you like this particular mattress pictured, to go straight to it.

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!

Now for some extra bonus tips you probably didn’t know about but can save you even more.

Tip: How to Save Even More on Amazon

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 a free 30 day trial of 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 $$. Be sure you take full advantage of this benefit.

Tip: Sign up for Free Text Notifications When your Mattress Ships

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: Get a Waterproof Mattress Protector

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). Put it on your mattress before you even sleep on it. Spills and stains will break down the foam. A waterproof mattress protector is ideal and will help your mattress stay clean too.

We like the Coop Home Goods mattress protector.

Hopefully this has helped you find an Amazon monthly payments mattress that fits your budget or just helps you keep more cash without penalty. If you have any questions, please leave a comment.

If you prefer to buy a mattress from another website, check out Idle Sleep. They have some of the best mattress financing you can find online.

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

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 monthly payments of $16 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):

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 Manila Metal Daybed and Trundle, Full Size Daybed and Twin Size Trundle, Multifunctional, White
DHP Winston Modern Metal Daybed with Trundle, Twin Size Frame, Gold
Max & 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 Separately
Hillsdale Furniture 2179-010 Hillsdale Caspian Daybed with Trundle, Twin, White
Best Quality Furniture K27 Full Bed W/Trundle, Dark Gray
Atlantic 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, Teal
Little Seeds Ambrosia Diamond Tufted Upholstered Design Daybed and Trundle Set, Twin Size Frame, Pink
Baxton Studio Twin Modern and Contemporary Faux Leather Trundle Bed, Twin, Black
DHP Gail Twin Metal Daybed with Trundle, Black
Donco 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 Bed
Twin 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: 

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

Cost

$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.

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.