Need or want a new mattress but have bad credit or don’t want it to affect your credit? In this article we’ll give you 2 of the best options for buying a no credit check mattress. We may earn a commission when you shop through our links and you may get better sleep.
No Credit Check Mattress
Here are my top 2 best picks. After Amazon, I’ll share my top choice that has a mattress for as low as $9 a month – less than you spend on a cup of coffee at Starbucks.
Amazon No Credit Check Mattress
Amazon is truly the best place to get a mattress and they won’t check your credit. The good news is there are no fees or interest charges either. Other mattresses do offer amazing financing and most will check your credit but it won’t affect your credit.
Plus they carry brands like Tuft & Needle, Casper, and Linenspa. In fact, these budget-friendly brands are the Amazon bestselling mattresses.
However, not every mattress is an Amazon monthly payments mattress (although this value mattress brand often does). Don’t worry, I’ll show you how to find the ones that do have financing!
You can find the mattresses that qualify when you click on the link and go to the mattress on Amazon. If there is financing offered, it will clearly state the monthly payment amount and duration under the price. That means it’s a no credit check mattress. Otherwise it will just list the price only.
TIP: check all variations of the mattress. Sometimes only certain models will offer no monthly payments. Like this #1 bestselling Linenspa mattress doesn’t have it for the 10 inch but it does for the 12 inch version.
See this example and how it says 5 monthly payments of $44? It is a no credit check mattress option.
There’s a catch though. Not everyone will get this option. Here’s how to know who qualifies. Make sure to keep reading if you don’t qualify for this one because I have another selection for you.
Who Qualifies for Amazon Mattress Financing
Here’s the catch. Not everyone qualifies for an Amazon no credit 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.
Amazon financing is available for many items like sheets, pillows and blankets too. And we ALWAYS suggest getting a mattress protector with your new 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 monthly payments. AND, you won’t even have to pay any interest or submit to a credit check!
Just make sure that you know the return policy. Some on Amazon only offer you 30 days. If you want a long time to decide, you’ll love our next choice.
Idle Sleep No Credit Mattress
Their Credit Check Won’t Affect your Credit
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. They work hard to get you the best terms, no matter what your credit is. They don’t make money on the credit either, it simply helps you be able to afford a quality mattress.
And it’s super affordable, starting as low as $9 per month.
Idle has partnered with SatisFi. To apply, you add what you want to the cart, proceed to the checkout page and simply click the financing option as payment method and follow the steps they ask to complete the process. You will find out right away if you are approved or not. (note: neither option will do a hard credit pull so it will not affect your credit to apply).
The great thing is you can pay online and set up auto payments so you don’t have to remember.
More Reasons to Choose Idle Financing
18 Month Trial
Best of all, Idle has the longest trial – 18 months!! That means you have a year and a half to test it out and return it for a full refund if not satisfied. So if you’re pickier or just want the peace of mind of knowing you won’t be stuck with a mattress you don’t like, pick this option. It also doesn’t have the same restrictions as Amazon does.
In addition to the long trial period, Idle offers a long warranty – one of the longest ones we’ve seen.
Affordable Luxury at 14 inch Thick
Choose from plush or medium gel memory foam or one of their hybrid mattresses with springs. All but the medium memory foam options are 14 inches thick. That’s a full 4 inches thicker than standard (most other mattresses in a box are 10 inches).
These are the best no credit mattress choices I’ve found.