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. 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.
#4. 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.
#5. 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?
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
Price Range: $899 to $2,440. Offer: Get 200$ off and FREE glove delivery
Trial period: 365-night home trial |
Warranty: Lifetime |
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
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 |
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. 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.
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: HIVE® technology that offers dynamic full-body support for a healthy sleeping position, lightweight cover that promotes airflow and prevents overheating, Bio-Pur® foam is more responsive and breathable than traditional foams.
Try Organic Healthy Sleep, Without All The Chemicals. 20-Year Warranty
6. Birch by Helix
Price Range: $1049 to $1799. Offer: $200 off + 2 free Eco-Rest pillows!
Trial period: 100-nights |
Warranty: 25 years |
Financing : Klarna, Katapult |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Environmentally-conscious shoppers buy the Birch Mattress due to its multi-certified all-natural materials. Reinforced perimeter support and ergonomically designed pressure relief provide an unprecedented level of comfort and pressure relief for back and stomach sleepers. Individually pocketed coils provide subtle body cradling and reduce surface motion (perfect for couples).
Best Natural Mattress! Try It Now and Say Goodbye to Chemicals.
7. Naturepedic
Price Range: $649 to $9999. Offer: 10% off for all mattress!
Trial period: 90-nights |
Warranty: 20-years |
Financing : Affirm |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
The EOS is the ultimate organic pillow top mattress that embodies luxury. Personalize comfort from firm to ultra-plush with its multi-layered zippered design. Multi-certified for purity and sustainable practices, Naturepedic’s EOS Pillowtop organic mattress is best for couples as each sleeper can control their mattress side’s comfort level.
Over 15 Years Experience In Organic Mattresses. 2-3 Business Days Shipping. Order Now
8. Ecoterra
Price Range: $849 to $1,349. Offer: $175 off mattresses
Trial period: 90-nights |
Warranty:90-days |
Financing :Klarna |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
Enjoy Nature's Secret For Deep, Comfortable Sleep!
9. Airweave
Price Range: $920 to $3,270. Offer: Save Up To $150 On Mattress Collection, $50 On Accessories!
Trial period: 100-nights |
Warranty:10 years |
Financing :0% APR, Klarna |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
The New Airweave Mattress uses proprietary Airfiber technology to deliver a transformative sleeping experience. The mattress is more firm than traditional beds but can be balanced out with a plush pillow top layer. This mattress is machine washable and promotes up to 308% longer deep sleep cycles than memory foam.
10. Zomasleep
Price Range: $549 to $1,748. Offer: Save $150 Off Mattresses
Trial period: 100-nights |
Warranty:10 years |
Financing : - |
Sizes: Twin, Twin XL, Full, Queen, King, California King |
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.