Shop Pay Installments — Buy Now, Pay Over Time

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Shop Pay Installments

Split your Bedder Mattress purchase into easy payments starting at 0% APR. No hidden fees. No surprises. Just better sleep, starting now.

Go to Cart & Choose Shop Pay ›

Choose Your Payment Plan

⭐ Most Popular

4 Interest-Free Payments

0% APR

Pay every 2 weeks. No interest, no fees. Perfect for purchases up to $999. The simplest way to split your purchase.

Larger Purchases

Monthly Installments

6–12 Mo.

For larger orders, spread payments over 6 to 12 months. Interest rates vary by credit profile. Starting at $35 per month.

How It Works at Checkout

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Add to Cart

Choose your Bedder Mattress and proceed to checkout as normal.

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Select Shop Pay

At checkout, select Shop Pay as your payment method.

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Choose Your Plan

Pick 4 payments or monthly installments. Instant approval decision.

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Sleep Better

Your mattress ships. Payments are made automatically on schedule.

Why Shop Pay Installments?

  • ✓ 0% APR on 4 bi-weekly payments
  • ✓ No late fees, ever
  • ✓ No hidden charges
  • ✓ Automatic payments — set it and forget it
  • ✓ Pay off early with no penalty
  • ✓ Covers purchases from $35 to $30,000
  • ✓ No credit score impact for pre-qualification
  • ✓ Track payments easily via the Shop app

Ready to Checkout with Shop Pay?

Add your mattress to the cart and select Shop Pay at checkout. The whole process takes under 2 minutes.

Go to Cart ›

Shop Pay Installments are powered by Affirm. Subject to eligibility. See terms at checkout.