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Mattress Financing — Shopping for Mattresses on a Budget

by Angela Maple

display mattresses in a mattress store

You’ve gone to bed and have woken tired and sore…once again. Night after night, you have woken up more exhausted than the last, and it’s starting to affect your waking life. You’re irritable, sore, and running on fumes, so concentrating on daily tasks is out of the question. And the only way to put a stop to endless nights of lousy sleep is a new mattress. We know it. You know it, but your wallet says otherwise. A new expensive mattress may not be financially feasible right now, but we at Mattress Land want to offer our shoppers an easy solution.

We believe you deserve a good night’s sleep without breaking the bank, so check out our guide! Filled with everything to know about how to purchase affordable mattresses with mattress financing, multiple financing options, and the benefits of a good bed.

At a Glance:

What is Mattress Financing?

BrandSource Financing

Snap Finance

Synchrony Bank

Reasons Why You Need a New Mattress

Mattress Financing FAQ

Why Trust Us?

What is Mattress Financing

Similar to financing furniture, appliances, or a home, you can also find the best payment plan for mattress shopping. When you finance a mattress, it is similar to opening a credit card or taking out car payments. Mattress financing allows buyers to choose a payment plan to spread out the cost of the mattress over a period of time. Once you have paid off the total amount of your mattress, your bed is officially yours. Although we don’t offer Klarna mattress financing, we do provide our mattress shoppers with a few other mattress financing alternatives that allow them to pay for their purchase over time, like Snap Finance or BrandSource. We want to make sure your mattress shopping experience is stress-free.  

BrandSource Financing

As one of our top choices for selecting a mattress payment plan, BrandSource provides buyers with special financing options to create the best home. This mattress financing choice helps shoppers find the best payment plans that fit their budget as they purchase from a great assortment of major brand mattresses. After applying with BrandSource and getting approved, you’ll receive a BrandSource credit card within two weeks. With this credit card, you’ll be granted available financing options, promotional rebate savings offers, $0 liability on unauthorized purchases, and a dedicated line of credit for all your mattress needs. And as a cardholder, you’ll have easy 24/7 access to manage your account anytime and anywhere using their online tools.

Snap Finance

Another excellent choice for mattress financing is Snap Finance. Founded on the principle that buyers should flourish with accessible, affordable, and transparent funding, they offer flexible lease-to-own financing to empower shoppers to buy what they need. Applying for Snap Finance is known for being an easy experience. You’ll know immediately if your application has been approved and could grant up to $5,000 on the same day. You won’t have to wait; you can immediately start shopping for everything you need. And since payments are automatically deducted from your checking account, you won’t worry about late or missing payments. Snap Finance wants to give you the financial freedom you deserve to buy what you need when you need it without fear of financial hardship.

Synchrony Bank

Last but certainly not least, our primary lender, Synchrony Bank. As a premier consumer financial services company, Synchrony works with thousands of large and small businesses. Including ourselves at Mattress Land, Synchrony allows us to offer shoppers credit cards with budget-friendly financing. Synchrony financing presents shoppers with the spending power and time to pay off their home purchases or settle unexpected expenses. With a Synchrony Home credit card, you can take advantage of their 12–60 months’ promotional financing offers on qualifying purchases at select retail locations. For instance, when making a purchase of $1,000 or more at Mattress Land, there will be no interest if you completely pay off the promotional balance within a year.

Learn More About Mattress Financing


Reasons Why You Need a New Mattress

woman sleeping in bed

Did you know that adults need at least seven or more hours of sleep every night for their health? As of 2022, at least 35.2 percent of adults in the U.S. have reported sleeping on average for less than the recommended seven hours per night. Most people struggle to have a restful night’s sleep because they haven’t replaced that old, worn-out mattress they lie on, or it doesn’t suit their sleep needs. With mattress financing, you don’t have to struggle to get the right mattress you need, whether you’re an athlete, back sleeper, or someone in need of a hybrid. If that is not enough of a reason, we’ll give you a few more in our blog to convince you why you should finance a new mattress and replace your old one.

Unlock Quality Sleep

People upgrade their mattresses to achieve the best sleep possible, whether you are napping, resting, or turning in for the night. And depending on the type of mattress you have, it can either offer pressure point relief, back support, or both while sending you off to dreamland. If you aren’t sure which mattress type you need, try our in-store BedFIT testing  or take the BedFIT quiz online to find the right mattress that meets your sleeping habits.

Reduces Stress

Between work, school, and daily life, there are a lot of stressors that can stop you from experiencing quality sleep. And your stress levels will only increase as you continue to get sleep-deprived nights. With a new mattress to give you satisfying sleep, your stress hormones will decrease, which keeps your blood pressure and mood relaxed.

Improved Posture

We all sleep in different positions on our sides, stomachs, backs, or a combination of them. When you sleep on the right mattress, regardless of your sleeping position, you’ll be supported in all the right places while improving your posture.

For instance, side sleepers rest in a fetal position that puts strain on their backs and necks. Sleeping in this position also puts pressure on their arms and shoulders, which can restrict blood flow and lead to serious health problems. And additionally, sleeping on your right side can put stress on your organs, making for a more than uncomfortable sleep. Luckily a memory foam mattress has got side sleepers covered using responsive materials that maintain spinal alignment and provides cushioning for pressure points.

Ultimately, when mattress shopping, take your preferred sleeping position into account when picking a new mattress.

Helps Lessen Allergy Symptoms

With spring in full swing, runny noses, watery eyes, and scratchy throats are on the rise. A buildup of an allergen cocktail consisting of pet dander, mildew, or mold collects in your worn mattress. Being allergic to your bed would be your worst nightmare if you have severe allergies. The best way to protect yourself from your old mattress collecting indoor allergens is to replace it. A good quality mattress that is right for you, brings you comfort, and offers you a multitude of overall health benefits.

Willingness to Sleep

Surprisingly, a bad bed can be one of many reasons to discourage a person from sleeping especially if poor-quality sleep is all they’ve known. While others find sleep to be unproductive or they become so focused on work, school, or a hobby that we forget to sleep. But with a good mattress to help create a more inviting sleep environment, you may be more inclined to go to bed with a restful night and better-quality sleep ahead of you.

Mattress Financing FAQs

Before joining a mattress financing program, it’s important to have all the facts, so here we answer some of our shoppers’ biggest questions.

Q: Can you make monthly payments on a bed?

A: Yes, you can purchase a new bed or mattress and split up your payments into affordable and convenient installments. There are many different mattress financing options available today that offer no-interest options.

Q: Does mattress financing affect credit scores?

A: Yes, mattress financing can affect your credit score for the better, helping you establish a credit history or improve your score when you make payments on time and pay your mattress in full.

Humans need sleep to thrive and wake a refreshed to take on the next day. And a bad mattress can’t give you the energy to take on the day when you are sore and irritable. To invest in a new mattress is to invest in yourself. With mattress financing you can buy the right bed and pay in installments without fear of sacrificing your financial stability.

Why Trust Mattress Land?

Since 1996, Mattress Land has been making strides in the mattress industry to provide our customers the sleep experience they need — and deserve. We do that by offering the ultimate customer experience, complete with our trained experts, BedFIT™ computerized diagnostics, and our impressive showroom. We’ll make sure that you find the right sleep solution for your sleeping habits and so you can feel energized in your day-to-day life.

We are also proud of our diverse, employee-driven culture, where our teams work hard toward a common goal. We know that better sleep makes all the difference, and our commitment to changing the landscape of traditional mattress shopping is how we know Mattress Land is one of the best mattress stores around.

Shop Mattresses at Mattress Land

At Mattress Land, we provide quality name-brand mattresses for great prices. Our sleep experts are always happy to help you discover the right mattress financing program for you. With locations throughout California, Idaho, Nevada, and Washington, Mattress Land is bound to have a sleep solution for everyone. More accessible than ever, you can call us at 800-909-9299, visit our website to shop Mattress Land sales, and check out Mattress Land reviews online. Or better yet, stop by one of our showrooms to discover why we are everyone’s favorite local mattress store. Visit us today!

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