Mattress Financing
Mike Stownel
There are many “leading mattress” companies online, so we understand the challenges of finding a genuinely authentic top-rated mattress brand. Despite all unlikelihood, we have, however, defied those odds and have done just that. More so, we narrow our scope down to the best mattress brands that bridge the gap between luxury and affordability. Continue reading to find the most trusted mattresses online that offer the best mattress financing options.
Mattress Financing
#1. Saatva - Up to 12 installment payments with 0% APR financing with Klarna; try Saatva for as low as $67 per month!
#2. Puffy - Affordability is essential to Puffy given the times; therefore, customers can finance with Klarna or SplitIt with 0% APR financing.
#3. Nectar - Customers can finance purchases over 3 to 24 months, with APR as low as 0% with Affirm or SplitIt.
#4. Dreamcloudsleep - Low-credit shoppers can finance mattresses with Affirm over 3, 6, or 12 months with APR financing as low as 0%.
#5. Casper - Shoppers can finance their mattresses with 0% APR with Affirm and choose either a 6, 12, or 18-month repayment option.
How Does it Work?
Beginning with a list of over 20 mattress companies, we’ve narrowed down the cream of the crop mattresses with the best financing options to make affordability the core objective.
Benefits of Using
Benefits of Financing a Mattress
- Build Credit - Pay on time, and your credit may rise.
- Improve Affordability - Financing mattresses tend to be more affordable.
- Peace of Mind - Don’t worry about dishing out a large sum of cash upfront.
- Spreadability - Mattress financing allows sleepers to lower payments.
How to Use
Only consider financing a mattress with legitimate mattress companies and third-party financers such as those shared later on.
Advantages
- Improved affordability
- Buy better quality with extended payments
- Build credit when paying on time
- A more convenient and user-friendly option than significant sums
How to Choose the Best
Our comparative analysis table highlights the best mattress companies online and their proven and trusted financers.
1. Saatva
Price Range: $899 to $2,440. Offer: Get 200$ off and FREE glove delivery
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Trial period: 365-night home trial |
Warranty: Lifetime |
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Financing : As low as $92/month at 0% APR |
Sizes: Twin, Twin XL, Full, Queen, King, Split King, California King, Split California King |
Saatva luxury hybrid mattresses possess three firmness levels supporting a broad assortment of sleeping types, while gel-infused memory foam provides enhanced body climate regulation and superior heat-wicking. Finance with Klarna over 12 months with APR as low as 0%. Finance a Queen luxury-firm mattress, white glove delivery, and an adjustable base for only $117/month with Klarna.
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
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Trial period: 101-nights |
Warranty: as long as you own the mattress |
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Financing : 0% APR, Klarna |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Upgrade your mattress and pay $0 upfront with financing a Puffy mattress with Klarna. 0% interest if you pay in full within 6 to 12 months, pre-qualify in three minutes, while convenient repayments allow shoppers to pay as little as $42 a month! Mattresses are shipped via FedEx with free, no-contact delivery, have a lifetime warranty, and can be tried risk-free for 101-nights.
Lifetime Warranty, Free Return. Up To $300 Off. Try It Now
3. Nectar
Price Range: $499 to $1,799. Offer: $399 Of Accessories Included With Every Mattress
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Trial period: 365-nights |
Warranty: as long as you own the mattress |
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Financing : 0% APR, Affirm, Splitit |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Nectar has sold over one million mattresses to Americans nationwide, all with lifetime warranties, while nine out of ten customers recommending Nectar to family and friends. Flexible financing is available with Affirm or SplitIt, a no credit check financer. Spread payments out between 3 to 24 months with APR as low as 0% with Affirm and try risk-free for an entire year!
Free Shipping & Returns, Financing Available. Try It Risk-Free For A Full Year
4. Dreamcloudsleep
Price Range: $799 to $1,599. Offer: $200 Off + $399 In Accessories Included!
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Trial period: 365-nights |
Warranty: as long as you own the mattress |
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Financing : 0% APR, Affirm |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Flexible financing and affordable luxury-level hybrid mattresses are supported by DreamCloud Sleep, an industry-leading online mattress brand. Finance with Affirm with APR as low as 0% over 3 to 24 months, or finance with the no-credit-check and application-free SplitIt, and pay for 3, 6, or 12 months with no interest or late fees.
Free Shipping Within 14 - 21 Business Days. Try Our 100% Risk-Free
5. Casper
Price Range: $595 to $2,995. Offer: Save up to $940 on select mattress
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Trial period: 100-nights |
Warranty: 10 years |
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Financing : 0% APR, Affirm |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Casper reigns the industry as the #1 Bed in a Box Brand. Mattresses are handcrafted in planet-friendly textiles and from eco-friendly recycled materials. Finance a Casper Queen Nova Hybrid mattress at 0% APR with Affirm for as little as $62 a month. Add an adjustable base frame for your Nova Hybrid queen for a total of only $86/month.
The Bottom Line
Mattresses are not a cheap expense that should be taken lightly. Considering how we spend about a third of our life in bed, the integrity, suitability, and longevity of your mattress can make a considerable difference in your quality of sleep and overall health. With flexible financing options available with industry-leading brands, mattresses can be financed for as little as $42 per month, effectively bridging the gap between luxury-level mattresses and affordability for all.
FAQ
- What are the average repayments periods for mattress financing?
- 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 good mattress?
- Is it smart to finance a mattress online?
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Written by: Mike Stownel
Senior Sleep Health and Mattress Technology Expert
Mike Stownel is a seasoned sleep health and mattress technology expert with over a decade of rich experience. He previously served as a Sleep Wellness Advisor for numerous boutique mattress manufacturers, where he played a crucial role in product development and customer education. Mike also worked as a Consultant for several start-up sleep tech companies, contributing to innovative sleep solution strategies.
His deep understanding of mattress technology and sleep science, combined with practical industry experience, positions him as a trusted authority. Mike`s insights, rooted in both science and market trends, offer invaluable guidance for achieving optimal sleep health.