Shop Pay Installments — Buy Now, Pay Over Time

Shop Pay Installments — Buy Now, Pay Over Time

Split your purchase into easy, interest-free payments. No hidden fees. No surprises. Just better sleep, starting now.

Financing Partner
Powered by Affirm

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 ›

Pay over time, without the stress

How It Works

1

Add to Cart

Shop your favorite mattress or sleep accessories and add them to your cart.

2

Choose Shop Pay

At checkout, select Shop Pay and choose the installment plan that fits your budget.

3

Get Approved Instantly

Receive an instant decision — no hard credit check required to see your options.

4

Pay Over Time

Make easy bi-weekly or monthly payments. Pay off early anytime with no penalty.

Why Choose Shop Pay Installments?

  • 0% APR on eligible orders
  • No hidden fees or surprises
  • Bi-weekly or monthly payments
  • No hard credit check to see options
  • Instant approval decision
  • Pay off early, no penalty
  • Powered by Affirm
  • Available at checkout, every time

What You May Need

Shop Pay Account

A free Shop Pay account linked to your email or phone number.

Debit or Credit Card

A valid debit or credit card to make your installment payments.

US Phone Number

A valid US mobile number to verify your identity at checkout.

US Billing Address

A valid United States billing address on your account.

Eligibility is determined at checkout. Terms may vary. Powered by Affirm. See Shop Pay for full details.

Ready to Sleep Better?

Add your mattress to cart and choose Shop Pay Installments at checkout — it only takes seconds.

Go to Cart & Choose Shop Pay ›Shop Mattresses

Frequently Asked Questions

Shop Pay Installments is a buy-now, pay-later option powered by Affirm that lets you split your purchase into manageable bi-weekly or monthly payments — starting at 0% APR on eligible orders.
Checking your eligibility with Shop Pay Installments does not require a hard credit inquiry, so it won’t affect your credit score. A hard check may occur when you confirm your loan, depending on the plan selected.
Simply add your products to cart, proceed to checkout, and select Shop Pay as your payment method. You’ll be shown available installment plans and can choose the one that works best for you.
Yes! You can pay off your Shop Pay Installments plan early at any time with no prepayment penalty. Simply log in to your Shop Pay account to manage your payments.