Avocado Mattress Financing | Zero Interest

Affirm financing

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.

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Avocado green mattress logoAvocado 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.

Avocado Green Mattress

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.

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.


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).

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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.

Nontoxic baby mattres2. 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.

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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.