Financing & Lease Options

Mattresses for Less Financing

Mattresses for Less has financing options for everyone—whether you have good credit, bad credit, or no credit.

Prequalified Buyers

Get 0% interest on purchases for up to 60 months. Our partners offer flexible financing options—so you can buy now and pay over time. See store for details.

Second-Chance Financing

We also offer second-chance financing through Snap, Acima and Okinus with no credit needed. Get instant credit with no interest payments. See store for details.

Free Layaway

Our free layaway plan lets you put any amount down to lock in the sale price of an item. There’s no minimum down payment or minimum purchase required. You simply make a payment once a month. Once you’ve paid half, contact us so we can ensure the item is still in stock. In the unlikely event that it’s not in stock, we’ll help you reselect items or switch to store credit.