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Bed Planet Financing Options

How Does Our Financing Work?

We offer multiple options for financing the purchase price of your mattress or furniture.

  • 0% Financing
    For Well Qualified Buyers

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    Synchrony Financial
    Learn More

  • No Credit Check
    Financing

    Snap Finance
    Learn More

  • PayPal And Shop Pay
    Pay Over Time Financing

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    Buy Now - Pay Later Options
    Learn More
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Financing with BedPlanet and Synchrony Home Credit Card makes your purchase fast, simple and secure to apply online.

Apply now with Synchrony
  1. Apply using our secure online application link below and get a decision instantly.
    Promotional rate may not show during application process.
  2. Once you get approved, you can checkout on our website using "Synchrony Financial" as your payment method.
  3. One of our customer service representatives will contact you to finalize your order.

General Financing

0%* for 12 Months Deferred Interest Minimum Purchase
$299
No interest if paid in full*on purchases of $299 or more. Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 12 months or if you make a late payment. Minimum payments required.
0% for 48 Months Equal Payments Minimum Purchase
$4,000
No interest and 48 monthly payments**
on purchases of $4,000 or more. Equal Monthly Payments required.

*With credit approval for qualifying purchases made on the Synchrony Credit Card As of 8/2/2020 APR Variable: 29.99%. Minimum interest charge $2.00. See card agreement for details. Offer is only valid for consumer accounts in good standing; is subject to change without notice; see store for details. May not be combined with any other credit promotion offer. On purchases of $299 or more with your Synchrony Financial credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months. Minimum Monthly Payments required.

**With credit approval for qualifying purchases made on the Synchrony Credit. As of 8/2/2020 APR Variable: 29.99%. Minimum interest charge $2.00. See card agreement for details. Offer is only valid for consumer accounts in good standing; is subject to change without notice; see store associate for details. May not be combined with any other credit promotion offer. Products that are; on discount (in-cart or otherwise), price matched, Open Box models, Coupon Code Purchases, or Facebook offers are ineligible for financing terms longer than 12 months. This restriction does not apply to the 0% Interest for 12 Month program, including on Open Box models. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and 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. Regular account terms apply to non-promo purchases.

How do I order Using Synchrony?

  • synchrony home credit card image
    Apply now with Synchrony
    1. Apply using our secure online application link below and get a decision instantly.
      Promotional rate may not show during application process.
    2. Once you get approved, you can checkout on our website using "Synchrony Financial" as your payment method.
    3. One of our customer service representatives will contact you to finalize your order.

Still Have Questions? Call us at 1-888-996-9890

Snap Finance - Apply Here

Furniture Financing Using Snap Credit

Bad credit. No credit. Bankruptcy. Snap is your No Credit Needed financing partner!
Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don't have any credit history, good or bad? Don't worry, you're not alone! Getting financing can be difficult. Snap is here to help!

How Do I Order Using Snap Credit?

No long applications to fill out, just follow through with your purchase on the product page and Snap will be a payment option.
Or Get Pre Approved by clicking on the banner.

Apply Today
  • Financing in a Snap!

    Up to 80% approval rate

    Snap's online application is simple and quick to complete and you'll know in seconds if you're approved. It couldn't be easier to get the things you need! So if you're looking to finance furniture, mattresses, wheels, tires, and more...use Snap! We're the fast, flexible, and friendly choice.

  • Get up to $3000

    Bad credit or no credit? No problem!

    Snap doesn't offer traditional loans. Instead, they offer a consumer lease that allows you to finance your purchase over 12 months of convenient payments. They also offer a 100-Day Cash Payoff, the best terms around. Need new tires for your car? Or new furniture for your growing family? Don't let bad credit stand in your way. Snap is your partner for No Credit Needed financing!

What is No Credit Needed financing?

No Credit Needed financing is Snap's rent-to-own financing that doesn't rely on credit reports to determine approvals or denials. We use a proprietary process that allows us to look beyond bad credit, bankruptcies, or even no credit history. Snap understands that we all face challenges from time to time, so we look for opportunities to help you build or restore your credit.

Buy Now Pay Later Options

We currently offer a couple of equal pay options available, Click on the banners for more information on each.

  • PayPal Pay in 4 | Pay Pal Credit

  • Choose Shop Pay at Checkout to pay in full or split your purchase into 4 equal installments*.

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    *Subject to eligibility check and approval. Estimated payment amount excludes taxes and shipping fees. See cart for details