10 Stores That Offer Mattress Financing With No Credit Check

Sonya Bateman headshot Sonya Bateman
Verified & Updated May 14, 2020

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No credit check mattress financing is more readily available than you may think. There are several well-known mattress and furniture stores offering no-credit-check mattress financing. In this article, we’ll cover information about no credit check mattress financing in general, where to go, as well as where to go if you want you’re fine with a soft credit check.

What to Know About No Credit Check Mattress Financing

The first thing to know about no-credit-check mattress financing is that most mattress stores don’t finance these purchases directly. Instead, they provide payment options through third-party financing company partners that specialize in helping merchants serve customers with no credit or poor credit.

The most commonly used third-party financing companies include:

  • Progressive Leasing
  • Snap! Finance
  • Lease It

Thousands of retailers and online merchants, including mattress and furniture stores, use these companies to offer financing to customers who are unable to qualify for traditional financing.

Generally, third-party financing companies provide lease-to-own programs, rather than loans. This means they don’t charge interest like traditional financing. Instead, your monthly payments are calculated on a total lease amount (the purchase price plus leasing fees) divided by the number of payments.

Most lease-to-own financing programs also include discounted early buyout options that allow you to pay less overall. In some cases, you may be required to pay a processing fee upfront when you apply for financing, usually around $40 – $60. This amount is in addition to the total lease amount.

While interest doesn’t accrue on lease-to-own financing, the leasing fees do make the purchase more expensive than buying the item outright would be. Before accepting financing, you’ll want to check whether there are any delivery fees, fees for damage that may occur during the lease period, lease reinstatement fees, or late payment fees. You may also want to consider saving up for a mattress rather than pay the additional fees associated with a lease-to-own program.

How Do You Qualify for Third-Party Financing?

Traditional financing requires a credit check and a certain level of credit to qualify. Third-party financing with lease-to-own payments doesn’t require a credit check. Most programs have similar requirements for approval — which typically include minimum age and income requirements, a valid ID, and an active funding source such as a checking account, debit card, or credit card. Approval is typically instant, and the majority of shoppers who meet these requirements are usually approved.

Progressive Leasing

Note: Progressive Leasing is not available in Minnesota, New Jersey, Vermont, Wisconsin, or Wyoming.

  • Age requirement: 18 or older[1]
  • Income requirement: Must earn at least $1,000 per month, have been employed by the same company for six months, and direct deposit at least $500 into your checking account[1]
  • Identification: Valid, government-issued photo ID[1]
  • Funding source needed: Active checking account[1]
  • Other requirements: Valid debit or credit card[1]

Snap! Finance

  • Age requirement: 18 or older[2]
  • Income requirement: Minimum of $1,000 per month[2]
  • Identification: Valid, government-issued photo ID[2]
  • Funding source needed: Active checking account[2]
  • Other requirements: None[2]

Lease It

  • Age requirement: 18 or older[3]
  • Income requirement: Minimum of $1,000 per month[3]
  • Identification: Valid, government-issued photo ID[3]
  • Funding source needed: Checking account, debit card, or credit card[3]
  • Other requirements: Valid Social Security number or Tax Identification Number (TIN)[3]

Stores That Offer No Credit Check Mattress Financing

The following mattress and furniture stores provide no-credit-check mattress financing programs with easy approval and easy payment options. We’ve ordered the list starting with the best overall options:

1. Mattress Firm

  • Locations: Nationwide
  • Financing program used: Progressive Leasing[4]
  • Processing fee: None[4]
  • Down payment: First lease payment due at purchase[4]
  • Payments due: Based on how often you get paid. Choose weekly, bi-weekly, or monthly payments.[4]
  • Maximum lease term: 15 months, but most leases are 12 months[4]
  • Find out more or apply

2. Shop Factory Direct

  • Locations: Online only
  • Financing program used: Progressive Leasing[5]
  • Processing fee: None[5]
  • Down payment: First lease payment due at purchase[5]
  • Payments due: Based on how often you get paid. Choose weekly, bi-weekly, or monthly payments.[5]
  • Maximum lease term: 15 months, but most leases are 12 months[5]
  • Find out more or apply.

3. 1800mattress

  • Locations: Online only
  • Financing program: Progressive Leasing[6]
  • Processing fee: None[6]
  • Down payment: First lease payment due at purchase[6]
  • Payments due: Based on how often you get paid. Choose weekly, bi-weekly, or monthly payments.[6]
  • Maximum lease term: 15 months, but most leases are 12 months[6]
  • Find out more or apply

4. Sears

  • Locations: Nationwide
  • Financing program used: Lease It[7]
  • Processing fee: None[7]
  • Down payment: First lease payment due at purchase[7]
  • Payments due: Monthly[7]
  • Maximum lease term: Not specified; minimum of five months[7]
  • Find out more or apply

5. Kmart

  • Locations: Nationwide and online
  • Financing program used: Lease It[8]
  • Processing fee: None[8]
  • Down payment: First lease payment due at purchase[8]
  • Payments due: Monthly[8]
  • Maximum lease term: Not specified; minimum of five months[8]
  • Find out more or apply

6. Big Lots

  • Locations: All states except Alaska and Hawaii
  • Financing program: Progressive Leasing[9]
  • Processing fee: None[9]
  • Down payment: First lease payment due at purchase[9]
  • Payments due: Based on how often you get paid. Choose weekly, bi-weekly, or monthly payments.[9]
  • Maximum lease term: 15 months, but most leases are 12 months[9]
  • Find out more or apply

7. Conn’s Home Plus

  • Locations: Mostly in the southern U.S.
  • Financing program: Progressive Leasing[10]
  • Processing fee: None[10]
  • Down payment: First lease payment due at purchase[10]
  • Payments due: Based on how often you get paid. Choose weekly, bi-weekly, or monthly payments.[10]
  • Maximum lease term: 15 months, but most leases are 12 months[10]
  • Find out more or apply

8. Atlantic Bedding and Furniture

9. Mattress One

10. Gallery Furniture

  • Locations: Stores in Texas, or online for home delivery anywhere in the continental U.S. ($500 delivery fee, except in Texas)
  • Financing program: Progressive Leasing[13]
  • Processing fee: None[13]
  • Down payment: $53[13]
  • Payments due: Based on how often you get paid. Choose weekly, bi-weekly, or monthly payments.[13]
  • Maximum lease term: 15 months, but most leases are 12 months[13]
  • Find out more or apply

Stores That Offer Easy Mattress Financing

Another option for mattress financing if your credit is less than perfect is Buy Now, Pay Later with Affirm. Affirm is another third-party financing company that offers fast approval and typically approves most buyers, even those with no credit or poor credit history. Affirm does run a credit check, but the financing decision isn’t based solely on credit scores or past payment history.

Unlike other third-party financing companies, Affirm programs are loans that charge interest as an annual percentage rate (APR), which is the amount of interest charged annually as an average over the full term of the loan. In some cases, a down payment may be required if Affirm is unable to finance the entire amount — otherwise, your first payment will be due 30 days from the date of purchase.

Like leasing programs, options like Affirm do cost more than buying your mattress in cash. It’s a good idea to check the financing program’s interest rate, late payment policies and fees, early payoff options, and total purchase amount before signing. The following online mattress stores offer Affirm as a financing option; we’ve ordered the list starting with the best overall options:

1. Wayfair

  • Financing options: Three-month, six-month, or 12-month financing plans[14]
  • How to apply for financing: Shop on the Wayfair website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

Note: Walmart now owns Wayfair; see our previous research for information on the Wayfair and Walmart return relationship.

2. Lull

  • Financing options: Six-month or 12-month financing plans[15]
  • How to apply for financing: Shop on the Lull website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

3. Bear Mattress

  • Financing options: Three-month, six-month, or 12-month financing plans[16]
  • How to apply for financing: Shop on the Bear Mattress website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

4. Casper

  • Financing options: Three-month, six-month, or 12-month financing plans[17]
  • How to apply for financing: Shop on the Casper website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

5. Christeli

  • Financing options: Three-month, six-month, or 12-month financing plans[18]
  • How to apply for financing: Shop on the Christeli website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

6. Leesa

  • Financing options: Six-month, 12-month, or 18-month financing plans[19]
  • How to apply for financing: Shop on the Leesa website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

7. Purple

  • Financing options: Three-month, six-month, or 12-month financing plans[20]
  • How to apply for financing: Shop on the Purple website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

8. Coleman Furniture

  • Financing options: Three-month, six-month, or 12-month financing plans[21]
  • How to apply for financing: Shop on the Coleman Furniture website and choose the “Financing with Affirm” option at checkout.
  • Find out more or start shopping

You can find out about more stores that offer the Progressive Leasing financing option, including electronics stores, jewelry stores, and more, in our list of Progressive Leasing stores.

  1. https://progleasing.com/frequently-asked-questions/[↩][↩][↩][↩][↩]
  2. https://snapfinance.com/faq[↩][↩][↩][↩][↩]
  3. https://ui.intempoe.com/SearsKiosk/[↩][↩][↩][↩][↩]
  4. https://www.mattressfirm.com/no-credit-needed-options.html[↩][↩][↩][↩][↩]
  5. https://shopfactorydirect.com/progressive-finance.html[↩][↩][↩][↩][↩]
  6. https://www.1800mattress.com/no-credit-needed.html[↩][↩][↩][↩][↩]
  7. https://www.sears.com/en_us/dap/leasing.html[↩][↩][↩][↩][↩]
  8. https://www.kmart.com/en_us/dap/leasing.html[↩][↩][↩][↩][↩]
  9. https://www.biglots.com/page/progressive-leasing/[↩][↩][↩][↩][↩]
  10. https://www.conns.com/progressive-leasing[↩][↩][↩][↩][↩]
  11. https://www.atlanticbeddingandfurniture.com/financing.inc[↩][↩][↩][↩][↩]
  12. https://www.mattress1.com/financing[↩][↩][↩][↩][↩]
  13. https://www.galleryfurniture.com/financing/financing.html[↩][↩][↩][↩][↩]
  14. https://www.affirm.com/how-it-works[↩]
  15. https://lull.com/mattress-financing[↩]
  16. https://www.bearmattress.com/pages/financing[↩]
  17. https://casper.com/financing/[↩]
  18. https://www.christeli.com/pages/financing[↩]
  19. https://www.leesa.com/pages/financing[↩]
  20. https://purple.com/financing[↩]
  21. https://colemanfurniture.com/financing[↩]
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