Good sleep shouldn't wait for payday. Take your new mattress home today with a simple payment plan — no perfect credit required.
Needed*Approval isn't about your score
We work with both Koalafi and Snap Finance. We'll help you apply with whichever is the better fit for you — no perfect credit required.
Lease-to-own and financing options with a quick application at your appointment.
Flexible lease-to-own plans designed for all kinds of credit situations.
Most folks apply right when we meet at the appointment. It's quick, and you'll know where you stand before you decide on anything.
Apply in minutes
A short application at your appointment (or over the phone). It looks at steady income and a checking account — not mainly your credit score.
Pick your bed & put a little down
Lie on a few, find the one that's right for you, and start your plan with as little as $1–$10 down.
Take it home today
Same-day take-home on most sizes, with local delivery available. You rest tonight; the plan handles the rest.
Have these handy and the payment-plan application takes just a few minutes.
Do you check my credit?
Approval isn't based mainly on your credit score. What matters most is steady income and an active checking account. Most people apply right when we meet — it only takes a few minutes.
How much are the payments?
Your payment depends on which bed you choose, so it's easiest to go over the exact numbers once you've picked the mattress that's right for you. We'll show you the full plan before you commit to anything.
What's the 90-day part mean?
There's a 90-day window to pay your balance off early with no interest added.* If you pay it off inside that window, you avoid the extra cost of carrying the plan longer. We'll walk you through it in plain English.
Can I apply if I can't get to the store?
In many cases, yes — we can start the application over the phone. If you're approved, we'll figure out the best way to get your new mattress to you, including local delivery.
Do I have to finance?
Not at all. We accept cash and card too. The payment plan is just there for folks who'd rather spread it out — no pressure either way.
Is there a big deposit?
No — plans can start with as little as $1–$10 down. Bring a debit card with at least $40 available for your first payment at checkout.
Let's get you resting tonight
Book a private appointment, find your perfect mattress, and apply on the spot. No credit needed, and no pressure.
Book your appointment →*Payment plans are provided through our financing partners, Koalafi and Snap Finance, and are subject to their approval and agreement terms. 'No Credit Needed' does not mean no credit check — our partners do perform a credit check as part of the application — and does not guarantee approval for everyone. The 90-day offer is an early-purchase / early-payoff option; if the balance is not paid off within the promotional window, the total amount paid over the full term will be more than the cash price. Down payment, payment amounts, and terms vary by purchase and by applicant. Please read your agreement carefully before signing.