Mattress Financing

Mike Stownel Mike Stownel
Mattress financing

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.

Our Top Product Picks

Other Mattresses Brands

How Does it Work?

How Does Mattress Financing 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.

Our Top Product Picks

1
Saatva
  • $799 to $1,899
  • 180-night trial
  • 15-year warranty
  • Reinforced edge support
Save $200 Price from $799
Visit Site →

saatva.com

2
Puffy
  • Free shipping
  • $495 to $1,050
  • Hypoallergenic
  • Klarna 0% Financing
Save $300 Price from $795
Visit Site →

puffy.com

3
Nectar
  • 0% APR
  • $499 to $999
  • 365-night home trial
  • Free, no-contact delivery
Save $399 Price from $499
Visit Site →

nectarsleep.com

4
Dreamcloudsleep
  • 365-night trial
  • $599 to $1,099
  • Free shipping and free returns
  • Lifetime warranty and full refunds
Save $200 Price from $899
Visit Site →

dreamcloudsleep.com

5
Casper
  • 10-year warranty
  • 100-night risk-free trial
  • Free, no-contact delivery
  • Save up to 30% OFF (Here)
Save 10% Price from $595
Visit Site →

casper.com

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

Saatva

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.

Saatva
Saatva

Premium Materials. White Glove Delivery, 24/7 Customer Support. Try It For 180 Nights

Save $200 Price from $799

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

Puffy

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.

Puffy
Puffy

Lifetime Warranty, Free Return. Up To $300 Off. Try It Now

Save $300 Price from $795

3. Nectar

Price Range: $499 to $1,799. Offer: $399 Of Accessories Included With Every Mattress

Trial period: 365-nights

Warranty: as long as you own the mattress

Financing : 0% APR, Affirm, Splitit

Sizes: Twin, Twin XL, Full, Queen, King, California King

Nectar

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!

Nectar
Nectar

Free Shipping & Returns, Financing Available. Try It Risk-Free For A Full Year

Save $399 Price from $499

4. Dreamcloudsleep

Price Range: $799 to $1,599. Offer: $200 Off + $399 In Accessories Included!

Trial period: 365-nights

Warranty: as long as you own the mattress

Financing : 0% APR, Affirm

Sizes: Twin, Twin XL, Full, Queen, King, California King

Dreamcloudsleep

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.

Dreamcloudsleep
Dreamcloudsleep

Free Shipping Within 14 - 21 Business Days. Try Our 100% Risk-Free

Save $200 Price from $899

5. Casper

Price Range: $595 to $2,995. Offer: Save up to $940 on select mattress

Trial period: 100-nights

Warranty: 10 years

Financing : 0% APR, Affirm

Sizes: Twin, Twin XL, Full, Queen, King, California King

Casper

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.

Casper
Casper

Try Your New Dream Mattress. Take A Test Nap

Save 10% Price from $595

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?
Typically, mattresses can be financed over a period between 3 to 12 months.
Which mattress financiers are legitimate and trusted?

Here is a list of 4 trusted mattress lenders:

  • Affirm
  • SplitIt
  • Katapult
  • Klarna
Where can I finance a mattress with 0% APR?
  • Affirm mattress financing is 0% APR.
  • Klarna mattress financing is 0% APR.
  • SplitIt offers interest-free financing.
I have bad credit, can I still finance a good mattress?
SplitIt offers an application-free, no credit check mattress financing that has no late fees, no interest, and can be extended over 3, 6, or 12 monthly installments with an existing Visa or Mastercard credit card.
Is it smart to finance a mattress online?
Every shopper’s financial situation varies, although financing a mattress online and making payments on time and responsibly is one way to make great mattresses more affordable without having to exchange large cash transactions for an investment that will last you between 8 to 15 years (on average).

Other Companies

Sleep Moonlight
4.8
Read Review →
Tempur Pedic
4.5
Read Review →
Serta
4.5
Read Review →
Cocoon by Sealy
4.7
Read Review →
Leesa
4.5
Read Review →

All reviews

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

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