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 No Interest Financing Options. We offer Amazing 0% Financing Options Below. Apply Now for Instant Approval, then Complete Your Purchase Online or visit a Bedding Mart near you to finalize your selection and complete your purchase in-store.

Deferred Interest for 6, or 12 Months Minimum Monthly Payments* 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.

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

Subject to credit approval

*Qualifying purchase amount must be on one receipt. Discounts may result in the qualifying purchase amount not being satisfied. A Promo Fee does not apply to this offer. 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 promo balance is equal to the promo purchase amount and any related optional debt cancellation fees. The required 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 new promo purchases and, after promo period ends, to the promo balance. Min Interest Charge $2. A promo fee will be charged to 2% of the amount financed on an equal payment no interest of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

No Interest for 12, 24, 36, 48 or 60 Months Equal Monthly Payments** 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. 12, 24, 36, 48 or 60 equal monthly payments required.

Online Purchases of $1998 or more qualify for 60 month offer
Online Purchases of $1498 or more qualify for 36 month offer
Online Purchases of $598 or more qualify for 12 month offer

**A promo fee, equal to 2% of the amount financed at time of purchase, will be shown as a separate transaction on your billing statement and included in the balance subject to this promo. Any taxes, delivery or other charges included in the amount financed will increase the related promo fee and the required monthly payments. For example, a $950 purchase with $50 in taxes and shipping costs, will be charged a promo fee equal to $20 and $1,020 will be charged to your account. No interest will be charged on the amount financed (including related promo fee), and equal monthly payments are required on such balance until it is paid in full. The payments equal the amount financed (including related promo fee) divided by the number of months in the promo period, rounded up to the next cent. 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 07/16/2024]: Purchase APR [34.99]%. <Penalty APR [39.99]%.> Min Interest Charge $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Lease Options. No Credit Needed

No Credit Needed Leasing Through Progressive Leasing, Lease Purchase Available. Apply Now for Pre-Approval & stop by your nearest Bedding Mart location to make your selection and complete your purchase