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
Mattress & Furniture Financing Using 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 $500 and Above
Available on purchases made with your Synchrony Financial credit card until 4/2/2019
$2495 minimum purchase required.
*48 or 36 Equal Monthly Payments required. Qualifying purchase amount must be on one receipt. When using 48 and 36-month programs, you cannot apply them to price match purchases, Open Box models, coupon code purchases, or Facebook offers. 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.
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***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?
- Apply using our secure online application link below and get a decision instantly.
- Once you get approved, you can checkout on our website using "Synchrony Financial" as your payment method.
- One of our customer service representatives will contact you to finalize your order.