Puffy Mattress Financing | Buy Now, Pay Later Mattress

Puffy Mattress financing

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.

Puffy Lux Mattress Financing

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.


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.

Puffy mattress foam or hybrid

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).

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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.

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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.