Finance Options

Sleep Better. Pay Over Time.

A better night’s sleep should feel good from the start—including when it’s time to pay. Explore promotional financing, flexible monthly payments, and lease-to-own options designed to make your new mattress easier on your budget.

Synchrony
SPECIAL FINANCING FOR YOUR HOME
More Comfort Today. Flexible Payments Tomorrow.

Synchrony HOME™ Online & In-Store Special Financing gives you flexible spending options. See our amazing offers below. Apply now for an instant credit decision. Then, if approved, complete your purchase online or visit a Bedding Mart near you to finalize your selection and complete your purchase in-store. Subject to credit approval.

Synchrony
HOME™
PREFERRED CUSTOMER
FOR
EVERY ROOM
IN YOUR HOME
6
6, 12 or 24 Months

No Interest if Paid in Full within 6, 12 or 24 Months†

On purchases made with your Synchrony HOME™ credit card account every day. Interest will be charged to your account from the purchase date if the purchase is not paid in full within the promotional period. Minimum monthly payments required.

$298+ 6 months
$598+ 12 months
$998+ 24 months
36, 48 or 60 Months

No Interest for 36, 48 or 60 Months**

On qualifying purchases made with your Synchrony HOME™ credit card. Equal monthly payments required for 36, 48 or 60 months.

$1,498+ 36 months
$1,798+ 48 months
$1,998+ 60 months
Apply Now →
Get an instant credit decision.
ONLINE FINANCING
FLEXIBLE PAYMENT OPTIONS
Buy Now. Pay Over Time. Choose a payment option that works for your budget.

Buy Online Now with Affirm. Get up to 36 Months Financing today!

With Affirm, you can choose from smarter payment options - like 4 interest-free payments or monthly payments. Purchase options through Affirm are subject to eligibility, may not be available in all states, and are provided by these lending partners: affirm.com/lenders. CA residents: Loans by Affirm Loan Services, LLC are made or arranged pursuant to a California Finance Lenders Law license.

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Flexible Payments Choose a payment option that works for your budget.
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Know What You’ll Pay See available payment terms before completing your purchase.
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Simple Online Process Learn about available financing options in just a few steps.
ONLINE FINANCING
FLEXIBLE WAYS TO PAY
Pay Your Way with Klarna. Choose from available payment options at checkout.

Buy Online Now with Klarna. Get up to 36 Months Financing today!

Finance your purchase through Klarna for Better Health thru Better Sleep® today. Bedding Mart has partnered with Klarna to provide financing for your online purchases. It's simple and easy, no credit cards or bank accounts required.

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Flexible Payments Explore available payment options for your purchase.
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Shop Now. Pay Later. Choose an available payment plan during checkout.
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Simple Checkout Select Klarna when available and follow the checkout steps.
LEASE-TO-OWN
FLEXIBLE LEASE-TO-OWN
Get What You Need Today. Explore a lease-to-own option designed for flexibility.

Dream big — no credit required! With Snap Finance, get your new Bedding Mart Mattress delivered as soon as tomorrow and pay over time.

  • Fast, simple application — decisions usually made in seconds
  • Flexible 12–18 month terms with early buyout options
  • Available online or in-store at participating retailers

Why You’ll Love It:

  • No credit needed
  • Fast, simple application
  • 12–18 month terms with early buyout options

Important Disclosures

The advertised service is a lease-to-own agreement provided by Snap RTO LLC. Lease-to-own financing is not available to residents of MN, NJ, or WI.

1. Not all applicants are approved. While no credit history is required, Snap may review information from consumer reporting agencies, which can affect your credit score.

2. The default payment plan includes 12 to 18-month renewable terms. To exercise an early ownership option (like the 100-Day Option), make all regular payments on time and pay the required amount within the applicable timeframe. The 100-Day Option includes a cost of lease above the merchandise price.

📞 Need help? Contact Snap Customer Care at 1-877-557-3769.

Rest Easy, Pay Happy!

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Flexible Option Explore a lease-to-own solution that may fit your budget.
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Clear Payments Review available payment terms before completing your agreement.
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Simple Application Learn about available options through a straightforward process.