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Finance

Financing options for everyone

At Mattress Brands, we offer financing options for everyone. Whether you have no credit, bad credit, or good credit, we can help you. We offer affordable prices on all mattresses and many financing options. Get pre-approved before you shop online or come into the store for a quick in-person application.

How Does Our Financing Work? 

We offer the following options to finance the purchase price of your mattress.

We offer No Credit Check options:

  • Preferred Lease
  • Kornerstone Credit
  • Snap Credit

and Preferred Credit options:

  • Mariner's Finance
  • Synchrony Financial

These different offers come with their own payment plan. Please see the program details for each option below.


 

Introducing an alternative way to shop for the name-brand items you want at the stores you love ‚Äď without paying cash or using credit. After completing an easy application process, you‚Äôll be approved instantly to begin a lease-purchase agreement that will allow you to get your merchandise right away for a low initial payment, then make affordable payments as you go until you‚Äôre ready to own it.¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬† ¬†¬†

NO CREDIT CHECK          

  • Low application fee
  • Instant decisions
  • 12 or 18 month programs
  • Approval amounts from $300-$4000
  • Bi-weekly or monthly payment option
  • Automatic payment withdrawals
  • 90 days same as cash option and $0 down options¬†
  • READY TO GET STARTED?¬†

  • $49 Lease application fee
  • Minimum income of $600 a month
  • Valid checking or savings account
  • Valid debit or credit card linked to the same account
  • Valid SSN or ITIN
  • United States address
  • 18 years of age or older
  • If using early buyout of 90 days fee applies of $25
  • ¬†

    How Do I Order Using Preferred Lease?

    1. Apply using our secure online application link below and get a decision instantly.
    2. Once you get approved, you can checkout on our website using "Preferred Lease" as your payment method.
    3. One of our customer service representatives will contact you to finalize your order.                      

                                            

      Still Have Question? Call us at 281.210.7647


     

     Kornerstone Finance

    DON’T LET CREDIT LIMIT YOU

    No matter your credit history you can still get approved for up to $5,000

    PAYMENTS TO MATCH YOUR SCHEDULE

    Make affordable payments over time or take advantage of an early buyout discount. We want it to work for you and your schedule

    You are pre-qualified if

    • 90 days of history with your current employer
    • Deposits totaling at least $1,000 per month
    • Current bank account that allows ACH drafts, been open for at least 90 days With No NFSs, Excessive Overdrafts, Or Negative Balances‚Äč‚Äč
    • Have a mobile phone
    • Have a government issued identification¬† (ITINs are accepted)

    How Do I Order Using Kornerstone Credit?

    1. Apply using our secure online application link below and get a decision instantly.
    2. Once you get approved, you can checkout on our website using "Kornerstone Credit" as your payment method.
    3. One of our customer service representatives will contact you to finalize your order.

                                           

       Still Have Question? Call us at 281.210.7647

     


     

    Financing Using Snap Credit

    Bad credit. No credit. Bankruptcy. Snap is your No Credit Needed financing partner!
    Has your credit score taken a hit? Have you been denied traditional financing? Or maybe you don't have any credit history, good or bad? Don't worry, you're not alone! Getting financing can be difficult. Snap is here to help!

    Financing in a Snap!
    Up to 80% approval rate

    Snap's online application is simple and quick to complete and you'll know in seconds if you're approved. It couldn't be easier to get the things you need! So if you're looking to finance furniture, mattresses, wheels, tires, and more...use Snap! We're the fast, flexible, and friendly choice.

    Get up to $3000
    Bad credit or no credit? No problem!

    Snap doesn't offer traditional loans. Instead, they offer a consumer lease that allows you to finance your purchase over 12 months of convenient payments. They also offer a 90-Day Cash Payoff, the best terms around. Need new tires for your car? Or new furniture for your growing family? Don't let bad credit stand in your way. Snap is your partner for No Credit Needed financing!

    What is No Credit Needed financing?

    No Credit Needed financing is Snap's rent-to-own financing that doesn't rely on credit reports to determine approvals or denials. We use a proprietary process that allows us to look beyond bad credit, bankruptcies, or even no credit history. Snap understands that we all face challenges from time to time, so we look for opportunities to help you build or restore your credit.

    How Do I Order Using Snap Credit?

    No long applications to fill out, just follow through with your purchase on the product page and Snap will be a payment option.

    How Do I Order Using Snap Credit?

    1. Apply using our secure online application link below and get a decision instantly.
    2. Once you get approved, you can checkout on our website using "Snap Credit" as your payment method.
    3. One of our customer service representatives will contact you to finalize your order.

                                            

     Still Have Question? Call us at 281.210.7647


     

    Financing Using Mariner's Finance

    To qualify for a Mariner Finance personal loan, borrowers will need the following:

    • Reasonable debt-to-income ratio.
    • Verifiable Social Security number.
    • Three years of credit history.

    Mariner Finance will evaluate your credit history, debt-to-income ratio, planned use of funds, as well as your unique situation when approving your loan application. 

    Mariner Finance is a good option for borrowers with poor credit who have trouble being approved elsewhere. Unlike other lenders, Mariner Finance does not require a minimum credit score and evaluates all loan applications on a holistic basis.

    • No minimum credit score is required to be eligible for a loan.
    • Company offers a 15-day no fee repayment policy.

    How Do I Order Using Mariner's Finance?

    1. Apply using our secure online application link below and get a decision instantly.
    2. Once you get approved, you can checkout on our website using "Mariner's Finance" as your payment method.
    3. One of our customer service representatives will contact you to finalize your order.

              Apply today for a quick decision and let Mariner Finance help you with your purchase!

                                         

    With over 450 branches in 24 states Mariner Finance delivers a wide range of finance options* along with exceptional customer service.


    *Terms vary ‚Äď subject to normal lending and underwriting requirements.¬†

     Still Have Question? Call us at 281.210.7647




    Synchrony Financial Logo

     

    Financing Using Synchrony Financial

      Credit Based Decision                      No Minimum Purchase
      No Down Payment Required           Low Monthly Payments
       Up to 60 Months 0% Interest

     

    *Equal Monthly Payments required. Qualifying purchase amount must be on one receipt. Products that are; on discount (in-cart or otherwise), price matched, Open Box models, Coupon Code Purchases, or Facebook offers are ineligible for financing terms longer than 12 months. This restriction does not apply to the 0% Interest for 12 Month program, including on Open Box models. No interest will be charged and equal monthly payments are required on promo purchase until it is paid in full. These payments equal the total promo purchase amount divided by the number of months in the promo period and rounded up to the next whole dollar. These payments may be higher than the payments that would be required if this purchase was a non-promo purchase. Regular account terms apply to non-promo purchases. For new accounts: Purchase APR is 29.99%. The minimum interest charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

     No Interest If Paid In Full Within 12 Months***

    On purchases of $299 or more with your Synchrony Financial credit card. Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 Months. Minimum Monthly Payments required.

    AVAILABLE EVERY DAY

    ***Offer applies only to single-receipt qualifying purchases. No interest will be charged on the promo purchase if you pay the promo purchase amount in full within 12 Months. If you do not, interest will be charged on the promo purchase from the purchase date. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payment plan may or may not pay off purchase by end of promotional period. Regular account terms apply to non-promotional purchases and, after the 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 applicable terms. Subject to credit approval. We reserve the right to discontinue or alter the terms of this offer at any time. 

    How Do I Order Using Synchrony?

    1. Apply using our secure online application link below and get a decision instantly.
    2. Once you get approved, you can checkout on our website using "Synchrony Financial" as your payment method.
    3. One of our customer service representatives will contact you to finalize your order.                                

                                          
               Still Have Question? Call us at 281.210.7647

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