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At Mattress Brands, we offer financing options for everyone. Whether you have bad credit, good credit or no credit, we have many options that can help you to upgrade your sleep with ease. Our goal is to offer the most affordable prices on top-quality mattresses & bedding with more convenient checkout methods than anyone. For our online shoppers, the most popular finance options are Snap, Sezzle, Acima and Shop-Pay, which are integrated directly into our website and easy to select at the Checkout page. We're excited to implement Synchrony to our online store coming later this year. For our retail stores in Houston, Spring & Conroe we offer all the options listed below, including Synchrony.

No Credit Check:

Typically for sales under $1499
90 day rebate op
Great for no credit or bad credit

Credit Check:

Typically for sales over $1500
6-36 month 0% interest options
Great for premium credit

No Credit Check
Available In Stores & Online Checkout For Easy Approval

No Credit Check
Available In Stores & Online Checkout For Easy Approval


Get what you need with Acima.

Mattress Brands has partnered with Acima to offer a flexible, lease-to-own solution that helps you take home the merchandise you need without using credit.

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Instant Shopping Power

Get approved to lease merchandise with a retail cash price of $300 to $5,000.**

Get an instant approval decision that will allow you to lease merchandise with a retailer cash price up to $5,000.**

No Credit Alternative* An alternative to Credit

Shop for what you want without using credit or increasing your debt.

Easy Payment Options

Make flexible payments that are conveniently scheduled with your payday.

Just a few basic requirements to get approved.

Active checking account with at least $1,000 of income per month

3 months of income history with your current source of income

Government-issued photo ID and SSN or Taxpayer ID Number

Choose the path to ownership that’s right for you.

Early Purchase Savings

You can purchase at any point during the lease for a significant discount. Do so within the first 90 days (3-months in CA) for the biggest savings.

Complete the Lease

After all scheduled payments have been made as detailed in your agreement, the merchandise is yours to keep.

For further information, please visit Acima’s FAQ.

*The advertised transaction is a rental purchase agreement (rent-to-own agreement, consumer rental-purchase agreement or a lease/lease-purchase agreement depending on your state) provided by Acima. You will not own the merchandise until the total amount necessary to acquire ownership is paid in full or you exercise your early purchase option. Ownership is optional. Approval subject to review and verification of your application. Not all applicants are approved. Approval amount based on retail price of host retailer. *“Shop without credit” means that this is not a credit, loan, or financing transaction. We consider multiple data points in reviewing your application and regularly approve customers with less than perfect credit history.

**"Get approved for up to $5,000” refers to the maximum amount Acima will spend to acquire goods from a retailer to provide to you, subject to a lease purchase transaction. The Acima cash price may include a markup over invoice price. Acquiring ownership by leasing costs more than the retailer’s cash price. See your lease for payment amounts and rental terms.

Synchrony  -  High Credit 700+


(Available Only In Stores, Online Checkout Currently Undergoing Maintnence, Stay Tuned)


  • 0% interest promotions availableup to 36 months.
  • Applies for a Synchrony HomeCard, able to use elsewhere.
  • Premium Credit Option.


  • Credit Score: 700+
  • Great Credit History
  • Great debt-to-income ratio.
  • Apply using our secure online application link below and get a decision instantly.
  • Once you get approved, you can checkout on our website using "Synchrony Financial" as your payment method.
  • One of our customer service representatives will contact you to finalize your order.

Mariner  -  Medium Credit 550+


  • Flexible loan options for larger purchases
  • 0% interest promotions available
  • Great for mid-range to premium credit


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


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