
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. 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?
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: $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
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
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