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Mattress AI QuizFinance Your Sleep, with Mattress on Demand
Choose from three easy finance options, apply in-store or online now!
Affirm
- Use Affirm at checkout when purchasing online or in-store
- 0% APR or 10-36% APR based on credit
- Pay over 3, 6, or 12 months
- No fees
Get a real-time decision without it affecting your credit score. For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR
Prequalify nowSynchrony
- Can be used for in-store purchases
- 0% APR with approved credit
- Pay over 12, 24, 36 or 48 months with no interest
- No annual fee
Get prequalified for a Synchrony HOME™ Credit Card instantly without affecting your credit score.
Prequalify now
Snap Finance
- Can be used for in-store purchases
- Simple lease-to-own financing
- 100 days no interest if paid in full option
- Purchase today with $10 down
Snap Finance requires the following: Cell phone or email address, active checking account, and steady source of income.
Prequalify nowAffirm
**Payment options through Affirm are provided by these lending partners:
affirm.com/lenders.Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required.
For example, on a $700 purchase, you may pay $63.18 for 12 months with a 15% APR
Synchrony
**Subject to credit approval. Minimum monthly payments required. See store for details. No interest will be charged on the promo balance (including tax and delivery) 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 Account APR is 29.99%/Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.
Manage your account
For Affirm customer support please visit Help Center
Manage your account or pay online
For Synchrony customer support please call (866) 396-8254
Manage your account or pay online
For Snap customer support please call (877) 557-3769
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Frequently Asked Questions
At Mattress on Demand, the type of credit inquiry depends on the finance option you choose. Synchrony performs a hard credit check, which might slightly affect your score, typically by no more than five points. However, multiple hard inquiries over a short period can have a greater impact. Meanwhile, Affirm and Snap Finance conduct soft checks, which don't affect your credit score. Remember, a single hard inquiry usually has a minor, short-term effect, but it's best to avoid several hard inquiries in a brief span to maintain your credit health.
Yes, Mattress on Demand offers financing options even for those with bad credit or no established credit history. When you opt for Snap Finance, you benefit from their unique approval process designed to assist customers who might not have a strong credit background. Snap Finance primarily considers factors like having an active checking account and a minimum monthly income of $750. This approach provides an opportunity for customers who have faced credit challenges in the past or are just beginning to build their credit, to make necessary purchases now and pay for them over time. Please note that Snap Finance is available exclusively for in-store transactions.
Yes, at Mattress on Demand, we offer the flexibility of split payments. This means you can finance a portion of your transaction while covering the rest with a different payment method, tailoring the process to suit your financial needs. This approach provides you with more control over how you manage your payment and financing.