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How Does Our Financing Work?

We offer the following options to finance the purchase price of your mattress or furniture.

These different offers come with their own payment plan. Please see the program details for each option below.

Application Quick links - Pre-Approvals in 60 Seconds

1. Synchrony - 0% Interest Financing for up to 72 months

2. Snap Credit - No Credit/Bad Credit Financing

Check out the Holiday Financing Special!

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Mattress & Furniture Financing Using Synchrony Financial

Massage Chair Financing Through Synchrony Financial
60* and 72* Month 0% Financing Available for Select Purchases Only
48* Month 0% Financing Available for Purchases of $4995 and Above
36* Month 0% Financing Available for Purchases of $2495 and Above
12* Month 0% Financing Available for Purchases $299 and Above

Available on purchases made with your Synchrony Financial credit card until 4/2/2019

$2495 minimum purchase required.

*Equal Monthly Payments required. Qualifying purchase amount must be on one receipt. 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. For new accounts: Purchase APR is 29.99%. The minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

 No Interest If Paid In Full Within 12 Months***

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.


***Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payment plan may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after the promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time. 

How Do I Order Using Synchrony?

  1. Apply using our secure online application link below and get a decision instantly.
  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 Question? 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!

    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.

    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.

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

    If you need help choosing the right bed for your home, check out our Mattress Buying Guide here.