Financing

Promotional Financing Available

Bedding Mart has several methods of payment which include:

Cash or Check: We accept cash, and we accept checks which include a home phone number, work phone number, and drivers license number.
Credit Cards: We accept Visa, MasterCard, American Express, and Discover. When making a purchase by credit card you must present valid identification.
Layaway Program: We offer a flexible layaway plan to fit everyone's budget.
Financing: We offer several types of financing from No Interest Financing to Fixed Rate APR Financing. See the available options below.

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.

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.

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.

No Interest if paid in full within 6 or 12 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.

Purchases of $598 or more qualify for 12 month offer
Purchases of $298 or more qualify for 6 month offer

Subject to credit approval

*No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/31/25: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

No interest for 24, 36, 48 or 60 months**
On qualifying purchases made with your Synchrony Home Credit Card. Equal monthly payments required for 24, 36, 48 or 60 months.

Purchases of $1998 or more qualify for 60 month offer Purchases of $1798 or more qualify for 48 month offer
Purchases of $1498 or more qualify for 36 month offer Purchases of $998 or more qualify for 24 month offer

**Qualifying purchase amount must be on one receipt. No interest will be charged, and equal monthly payments are required on promo purchase until it is paid in full. The payments equal the initial total promo purchase amount divided by the number of months in the promo period, rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. During the last month(s) of the promo period the required monthly payment may be reduced due to the prior months’ rounding. Regular account terms apply to non-promo purchases. New Accounts as of 7/31/25: Purchase APR is 34.99%. Penalty APR is 39.99%. Min Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Lease-to-Own Options (No Credit Needed)

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.