Best Mattress Financing Options

Written By: Lorraine Rowen

best mattress financing

If you’re in the market for a new mattress but don’t have enough cash to buy it outright, you may be able to finance your purchase through a variety of options. Most online lending partners will perform a credit check to determine your eligibility for financing. This will have a negative impact on your credit score, as it will reduce your total points. Different websites offer different financing options, with some websites allowing you to choose the payment period and the amount that you pay. Choose carefully so you don’t end up paying more interest than you should.

Idle Sleep

Whether you are a regular sleeper, a side sleeper or a combination sleeper, you’ll find an Idle Sleep mattress that’s right for you. This mattress is designed with an adjustable base, so you can choose a firmness level that’s perfect for you. The mattress also features a good balance of pressure relief and support, so you don’t feel as though you’re sinking in. Its 2.4-pound foam core also provides good durability.

You can choose to pay for your Idle Sleep mattress in a variety of ways. If you want to try out the mattress without purchasing it right away, you can use the company’s financing options. If you decide that you don’t love the mattress, you can also use the company’s 18-month risk-free trial, which gives you 540 nights to evaluate it. If you’re not completely satisfied, you can return the mattress at any time to get a refund.


If you’re looking for a way to pay for a new mattress, Klarna has a great product to help you make that happen. The service offers low-interest rates and only a soft credit check. If you have bad credit, it can be difficult to get financing for a new mattress. However, with Klarna, you can finance your mattress through the company’s website, without a credit check.

Klarna’s financing services are offered to individuals and businesses. You must be 18 years of age or older, have a permanent address and a source of income. You’ll also need to have an active checking or credit card. You’ll be able to choose from several payment plans and different financing terms.


If you want to purchase a new mattress but don’t have the money for it up front, you can apply for Nectar mattress financing. This type of financing allows you to buy a new mattress without a credit check. With Nectar, you can choose from different payment plans that fit your budget.

Nectar offers free shipping in the continental U.S. and additional shipping costs for other countries. You should receive your new mattress within two to four days after ordering. If you are in a hurry, you can also opt for the “white glove delivery” service. This service includes the removal of your old mattress and setup of the new one.

You can get 0% APR financing for up to 24 months for the Nectar mattress. The only downside is that the financing terms are limited. You may have to wait until you get your mattress to pay off the loan. The financing terms vary from bank to bank, but you should expect to pay a minimal amount up front.

Ortho Mattress

If you want to purchase an Ortho Mattress but don’t want to worry about paying a lot of money, you can opt to finance it with Ortho Mattress financing. This type of financing gives you the flexibility to choose your payment period and pay off the loan in equal monthly installments. You can also apply for Ortho Mattress financing and make the payments online.

Ortho Mattress is a mattress manufacturing company based in Arizona and Southern California. It sells its products online and at physical stores. Since it sells direct from the manufacturer, it is able to offer factory-direct prices. It also provides a 100-night sleep trial and has a 10-year warranty.


Naturepedic is a company that manufactures mattresses that use organic materials. Their products are chemical-free and are made in the United States. They also follow federal fire safety standards by using natural fire barriers. Their mattresses are popular with both baby and adult customers. The company has grown from a small boutique to a national brand.

If you’re not satisfied with your Naturepedic mattress, they offer a 30-day money-back guarantee on their products. The company also offers a 90-day exchange policy for their adult mattresses. If you’re unhappy with your Naturepedic mattress, you can easily return it within 60 to 90 days, but you’ll have to pay for shipping. To return the full mattress, simply call the company or retailer to get a return authorization number.

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