Choose how to pay for your mattress, adjustable base, or complete sleep system. Compare credit, installments, and lease-to-own options below, or learn about using HSA/FSA funds through Flex.
Find your mattress, base, or bedding. Choose your sizes and add your favorites to your cart.
At checkout, choose from the payment options available for your order.
Follow any approval or eligibility prompts, review your payment details, and place your order.
Already have an account or approval? Have your eligible account details or approval code ready to use when your provider asks. Need help using it?
Explore each option, start shopping, or apply for financing before you buy. For Fortiva, start with Synchrony.
MonthlyGive a larger sleep purchase more room in your budget with monthly payments and available promotional financing. Apply first, or use an existing eligible Synchrony account.
Subject to credit approval. Offers vary. For deferred-interest offers, pay the promotional balance in full by the deadline to avoid interest; minimum payments may not do so.
Pay overBuy now, pay later with Shop Pay. Choose from the installment plans offered at checkout, powered by Affirm, and see your payment schedule before you buy.
Rates from 0–36% APR. Subject to eligibility and purchase amount; a down payment may be required. Provided by Affirm’s lending partners.
No creditNo credit history required* for lease-to-own. Apply online, then shop eligible products with your approval. Payments can align with your paydays.
*SNAP obtains consumer-reporting information, which may affect those scores. Not all applicants are approved. Lease-to-own costs more than the cash price.
Own sooner.No credit needed* to apply. Get a quick decision, make payments around your paydays, and purchase early to pay less than you would over the full lease term.
*Credit-bureau information is obtained; a credit history is not required. Not all applicants are approved. Early purchase costs exceed cash price except the three-month CA option. Standard term: 12 months.
≈30%Potential tax savings*Use pre-tax HSA/FSA dollars for eligible sleep products. Choose Flex at checkout; any required review happens online. No separate doctor’s appointment needed.
*Illustration at a 30% tax rate. Actual savings vary; this is not a store discount.
A secondA Synchrony decline may still lead to a Fortiva offer through the same application process. Another opportunity to finance your purchase, with no separate application to start.
Subject to credit approval. Review the offered APR, fees, and payment terms. An offer is not guaranteed.
Open a question to see the details before choosing your payment option.
Yes. Checkout displays the payment methods available for your order. Contact a showroom for help with an in-store purchase.
Compare the total cost, payment schedule, interest or lease charges, and ownership terms. Availability depends on your purchase and the provider. Applying does not guarantee approval.
Need help choosing a payment option? Contact Bedder Mattress. For an existing order, visit Customer Service.
