
Our cheap mattress guide’s findings will reveal the most inexpensive luxury mattresses with the most trusted mattress brands. Unlock access to mega-online savings later on while finding the most suitable, long-lasting, luxury-level mattress for as low as $42/month! Additionally, we’ll cover FAQs and help you learn how to choose the best cheap mattresses online. We’ll even show you which mattresses are financeable over 24 months interest-free (of course) for our final act.
Best Cheap Mattress
#1. Layla - Buy a mattress with 0,00% APR for 12 months with Affirm and get Two Layla Memory Foam Pillows + Microfiber Sheet Set + Essential Mattress Protector for FREE.
#2. Helix sleep - Most Awarded mattress brand of 2020, have standard and luxury mattresses models, designed for all types of sleepers and price for any pocket. Helix sleep provides 180-Day Free Trial, 10-Year Warranty and Free Shipping within the US.
#3. AmeriSleep - Memory Foam, Hybrid and all-natural latex Organic Mattress manufacturer AmeriSleep provides 100-Night Free Trial and 20-Year Warranty for their customers. Also, AmeriSleep offers very tempting discounts and gifts like sheets, pillows, mattress protector or an adjustable bed when buying a mattress.
How Does it Work?
Our team of bedding experts tested over 30 mattresses for over a dozen of the industry’s best-rated and most reputable mattress companies. The findings of their personal experiences, honest insights, and collective efforts are available for you to help you find trusted cheap mattresses online.
Benefits of Using
Three benefits of buying a cheaper mattress:
- Build Credit - On-time payments can improve your credit.
- Save Money - Keep more of your hard-earned money.
- Peace of Mind - Less anxiety regarding large-cash purchases.
How to Use
Leverage the findings shared below to determine which mattress is the best and most affordable option for you.
Advantages
- Improved affordability
- Build credit from on-time payments
- Keep your hard-earned money where you need it
- More convenient than large upfront cash payments
How to Choose the Best
We do that for you below.
Our Top Product Picks
1. Saatva
Price Range: $799 to $1,899. Offer: Get 200$ off and FREE glove delivery
Trial period: 180-nights |
Warranty: 15 years |
Financing : 0% APR, Klarna |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
The Saatva Classic is the most popular luxury hybrid innerspring mattress with Plush Soft (3), Luxury Firm (5-7), and Firm (8) firmnesses. Over 80% of sleepers prefer Luxury Firm for a perfect balance of comfort and uplifting support. For those hard-to-please couples, the Saatva Classic bridges the middle ground splendidly.

Premium Materials. White Glove Delivery, 24/7 Customer Support. Try It For 180 Nights
2. Puffy
Price Range: $795 to $1,995. Offer: $300 OFF + 2 FREE PILLOWS
Trial period: 101-nights |
Warranty: as long as you own the mattress |
Financing : 0% APR, Klarna |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
The Puffy Lux’s body adapting dual cloud foam and total pressure relief make it suitable for back, stomach, and side sleepers. Cooling Cloud technology keeps hot sleepers cool while the mattress flexes a hypoallergenic, stain-resistant cover. The Lux mattress medium-plush (5-7) knows no equal for enhanced support and increased contouring.

Lifetime Warranty, Free Return. Up To $300 Off. Try It Now
3. Layla
Price Range: $1,049 to $1,699. Offer: Up To $200 Off Mattresses + 2 Free Layla Memory Foam Pillows
Trial period: 120-nights |
Warranty: Lifetime |
Financing : 0% APR, Affirm |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Hybrid or memory foam mattresses, made with two levels of firmness in one mattress (flippable firmness). Layla Mattress provides excellent edge support for sleepers of all weights and has great motion isolation. Mattresses made with cooling technology and a very breathable cover that zips off for easy cleaning. Layla Mattresses are adjustable base friendly, come with 10 Year warranty & Free Shipping.

Save Up To $400 On Select Mattress Sets
4. Helix sleep
Price Range: $600 to $2,249. Offer: Save up to $200 OFF & Get 2 FREE Dream Pillows
Trial period: 100-nights |
Warranty: 15 years |
Financing : 0% APR, Klarna, Katapult |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Sink in like a cloud with the soft feel of the Helix Sunset Luxe, perfect for side sleepers seeking additional pressure point relief, enhanced contouring, zoned lumbar support, and a responsive surface. The Sunset Luxe’s softer top layers render soft, lavishly plush comfort under a premium quilted pillow top.

Special Offer! Save Up To $200 Off Your Mattress
5. AmeriSleep
Price Range: $899 to $4,190. Offer: 30% Off Mattresses + Up To $399 In FREE Accessories
Trial period: 100-nights |
Warranty: 100-days |
Financing : - |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
AmeriSleep is one of the most popular and best mattress companies. The assortment includes both hybrid or memory foam mattresses and completely eco-friendly latex mattresses. AmeriSleep provide one of the best guarantees for their products - 20 years warranty, as well as care about the quality and application of new developments in the production of mattresses such as: HIVEĀ® technology that offers dynamic full-body support for a healthy sleeping position, lightweight cover that promotes airflow and prevents overheating, Bio-PurĀ® foam is more responsive and breathable than traditional foams.

Try Organic Healthy Sleep, Without All The Chemicals. 20-Year Warranty
The Bottom Line
Finding a cheap mattress online shouldn’t come at the cost of integrity. We spend more than a third of our lives in bed, invest in your sleep quality and overall health wisely because that is essentially what you are doing. The findings of our this publication couldn’t be made possible without our bedding experts, thank you for your time and efforts. Lastly, to unlock the best online savings for the cheapest online mattress.
FAQ
- What is the least I should spend on a mattress?
- Which mattress financiers are legitimate and trusted?
- Where can I finance a mattress with 0% APR?
- I have bad credit, can I still finance a cheap mattress?
- Is it smart to finance cheap mattresses online?
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Written by: Mike Stownel
Staff Writer - Researcher
Mike is an experienced Researcher and Writer. Now his challenge is to test, compare, and review the best sleep products like mattresses, pillows and sheets