As low as 0% APR
Many shoppers qualify for 0% APR, meaning no interest at all. Your rate depends on your credit and purchase amount.
Mattress Financing with Affirm
Pay over time for your new mattress, as low as 0% APR
The Mattress Shop and Affirm have teamed up to offer financing as low as 0% APR on qualifying purchases. Just choose ‘Affirm - Pay Over Time’ at checkout.
- As low as $61/mo on a $1,099 mattress*
- Real-time decision at checkout
- You’ll never pay more than you agree to up front
*Based on a $1,099 purchase at 0% APR over 18 months. Subject to credit check and approval. Rates from 0% or 10–36% APR. See full terms below.
What Mattress Financing Actually Costs
No teaser rates, no fine-print surprises. Here’s how it works before you ever reach checkout.
12, 18 or 36 months
Pick the term that fits your budget. A longer term means a lower monthly payment.
Your total, shown up front
If you’re offered an APR above 0%, Affirm shows the total interest before you confirm. What you see is what you pay.
How to Pay with Affirm in 3 Steps
Step 1
Fill your cart
Select Affirm at checkout, then enter a few pieces of info for a real-time decision.
Step 2
Choose how you pay
Pick the monthly payment plan you like best. You’ll never pay more than you agree to up front.
Step 3
Pay over time
Make payments at affirm.com or in the Affirm app. You’ll get email and text reminders.
Secure Checkout
Shop Our Best-Selling Mattresses
Every mattress below can be financed with Affirm. Choose ‘Affirm - Pay Over Time’ at checkout to see your monthly options.
Mattress Financing FAQs
Add a mattress to your cart and choose ‘Affirm - Pay Over Time’ at checkout. Enter a few details for a real-time decision, pick your plan, and pay monthly at affirm.com or in the Affirm app.
No. Checking which Affirm plans you qualify for at The Mattress Shop won't affect your credit score. If you go ahead and take a loan, Affirm and its lending partners may report it to credit bureaus, including on-time, late and missed payments, so how you repay can show up on your credit history. Checking your options uses a soft credit check, and you see your rate and terms before deciding whether to continue.
It can. At The Mattress Shop, Affirm rates are either 0% APR or 10–36% APR for qualified customers, based on your creditworthiness and purchase amount. Affirm shows your exact rate and the total interest you'd pay before you agree, so you can compare it with paying in full. Affirm uses simple interest, which doesn't compound, and you won't pay more than the finance charge shown when you sign. If you're offered a plan with interest, paying upfront avoids that cost.
At The Mattress Shop, Affirm monthly plans run 12, 18 or 36 months, depending on your credit and purchase amount. For example, a $1,099 mattress could be as low as $61 a month for 18 months at 0% APR for qualified customers. Your exact payment and total cost appear before you agree. Estimated payments exclude taxes and shipping. Longer plans lower the monthly payment but may carry interest, which raises the total. A down payment may be required.
If you return your mattress, The Mattress Shop issues your refund through Affirm, and Affirm adjusts your loan for the refunded amount. Interest you've already paid is non-refundable, so if your plan carries interest, a return can still cost you that interest. For questions about your loan balance after a return, contact Affirm directly at (855) 423-3729 or helpcenter.affirm.com.
Financing Terms
Get a mattress on The Mattress Shop for as low as $61/month over 18-months at 0% APR. Based on a full purchase price of $1,099. Subject to credit check and approval. Rates from 0% APR or 10-36% APR over 12, 18, or 36 months based on creditworthiness and purchase amount. Paid interest is non-refundable. In cases of partial approval, a down payment may be required. For purchases under $150, limited payment options are available. Estimated payment amount excludes taxes and shipping fees. Offer subject to change at any time. Previous purchases are ineligible. Payment options through Affirm are provided by these lending partners: http://affirm.com/lenders.
See http://www.affirm.com/faqs for details.