Synchrony Finance


With promotional financing from BEDDER MATTRESS, major purchases don’t have to wait.* Get what you want now and pay over time.

Get Buying Power

You may also be able to take advantage of our 0% APR promotional financing ranging from 12-48 months. Click to see your buying power for term breakdown of your purchase range.

Affirm Finance

It's better in the app

Make easy monthly payments for your purchase

Shop online and inside stores

Pay over time just about anywhere with the Affirm app

Use up to 18 months financing

See if you qualify, checking your eligibility won't affect your credit score

Progressive Leasing

You Know
what you need.

We'll help you get it

Shop with confidence

Get approved for up to $5000

No long term commitment needed

Snap Finance

Why Snap?

Empowers credit- challenged shoppers

Shop now, pay later

All credit types welcome

Approvals from $150 up to $5,000

Bedder Mattress has many finance and payment options to help you purchase your mattress and bedroom needs.

has partnered with Snap Finance, a lease-to-own provider, to offer you accessible financing even if you're credit is not so stellar. It takes just seconds to get an answer.

Financing made easy with Bedder Mattress
alternative finance options.

For customers with No Credit or Bad Credit? No Problem!

Must have valid ID, Matricula or Passport

Must have SSN or ITIN

Must have a checking account

Secrity deposit may be required

Free Lay Away for up to 6 months at Bedder Mattress.

Why choose Bedder Mattress financing

Having credit with Bedder Mattress can offer benefits such as allowing the purchase of a high-quality mattress, payment flexibility, the possibility of improving credit history, saving money, and access to special promotions.

To learn more about Bedder Mattress credits and speak with an advisor, call now at (Santa Clarita - 661 430 8660 and Sylmar - 818 361 3537).

Apply Online

Shop online and directly applies for Snap lease-to-own financing, once approved, select Pay with Snap to checkout.

Apply In Store

Simply stop by at our store to apply in-person or use your online approval to use at any of our store locations where Snap is available.

Bedder Credit Card

 • 0 Down Payment ** • Save Time by Applying Online • Safe to Apply - Apply now!  NO INTEREST IF PAID IN FULL WITHIN 6, 12 or 18 MONTHS* On $600, $1,000, $1,500 purchases made with your Bedder Mattress credit card account between 1/1/18 to 12/31/18. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within the promotional period. • Purchases of $600 or more qualify for 6 month WDPI offer • Purchases of $1000 or more qualify for 12 month WDPI offer  • Purchases of $1500 or more qualify for 18 month WDPI offer  • Minimum monthly payments required for WDPI. -- OR -- 0% APR FOR 24, 48 or 60 MONTHS* On purchases of $2,000 or more made with your Bedder Mattress credit card between 10/1/19 to 12/31/20. • Purchases of $2000 or more qualify for 24 month EPNI offer • Purchases of $3000 or more qualify for 48 month EPNI offer • Purchases of $4000 or more qualify for 60 month EPNI offer • Equal Monthly Payments required for 24, 48 or 60 months. Regular account terms apply to non-promotional purchases and, after promotion ends, to promotional balance. For new accounts: Purchase APR is 29.99% Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their application terms. Subject to credit approval. Subject to change without notice.  Contact or Visit a store for details. Fill out an online application now! * Offer applies only to single-receipt qualifying purchases. ** Bedder Mattress does not require a down payment if the purchase is made with your Bedder Credit Card by Synchrony Bank. WPDI: With Payments Deferred Interest.

Bedder “No Credit Check”

  - Apply now! Poor Credit? No Problem. Apply Today, Get a Response in Seconds‏. No Credit Check for bad, or no credit. $39 deposit gets you approved to reestablish your credit worthiness. We understand that the last few years have been very difficult and many prospective customers do not qualify for traditional bank financing. They need an alternative program to finance their purchase. To meet the unique needs of those with poor credit, Bedder Finance utilizes both standard credit bureau reporting and non-traditional repayment indicators (e.g., how patrons have managed their bank accounts). The combination results in up to 80% of customers being approved. • Save Time by Applying Online • Instant approvals for quick responses • Safe to Apply - Apply now! • 12 and 24 Month Term • No Paystubs or Bank Statements Required • Instant approvals for quick responses • Approval amounts up to $5,000 • $40.00 Down Payment Required • No Paystubs or Bank Statements Required • 90 Days Early Payoff Savings • Approval amounts up to $5,000 • 18 years of age or older • Open and active checking account for the past 90 days • Income deposited to checking account Installment payments will be a positive credit rating by reporting to the Transunion Credit agency. † Approved amount is determined by banking information, employment information and other factors. Contact or Visit a store for details. Fill out an online application now! NO INTEREST WILL BE CHARGED ON THE PROMOTIONAL PURCHASE IF YOU PAY THE PROMOTIONAL PURCHASE AMOUNT IN FULL WITHIN THE PROMOTIONAL PERIOD WHICH MAY BE 6,12 OR 18 MONTHS. IF YOU DO NOT, INTEREST WILL BE CHARGED ON THE PROMOTIONAL PURCHASE FROM THE PURCHASE DATE. DEPENDING ON THE PURCHASE AMOUNT, PROMOTION LENGTH, AND PAYMENT ALLOCATION, THE REQUIRED MINIMUM MONTHLY PAYMENTS MAY OR MAY NOT PAY OFF PURCHASE BY THE END OF THE PROMOTIONAL PERIOD. EPNI: Equal Payments No Interest. FOR EQUAL MONTHLY PAYMENTS, NO INTEREST WILL BE CHARGED ON PROMO PURCHASE AND EQUAL MONTHLY PAYMENTS ARE REQUIRED EQUAL TO INITIAL PROMO PURCHASE AMOUNT DIVIDED EQUALLY BY THE NUMBER OF MONTHS IN PROMO PERIOD UNTIL PROMO IS PAID IN FULL. THE EQUAL MONTHLY PAYMENT WILL BE ROUNDED TO THE NEXT HIGHEST WHOLE DOLLAR AND MAY BE HIGHER THAN THE MINIMUM PAYMENT THAT WOULD BE REQUIRED IF THE PURCHASE WAS A NON-PROMOTIONAL PURCHASE.