Affordable Financing & Purchase Options | Mattress Firm
Financing Options
Financing & Purchase Options
No matter your budget or financial standing, we have a plan that fits you as perfectly as your mattress.
3% Cash Back with 24-month financing
On qualifying purchases of $1,999+ at Mattress Firm through 8/17/21. Cash back paid as a statement credit.

Visit a store, call or chat for details.
3% Cash Back

*Offer available at participating stores, via chat on, or call (877) 346-8775 .  Subject to credit approval. 3% Cash back on net purchases (purchases minus returns and adjustments) on a Mattress Firm or Synchrony HOME Credit Card will be paid as a statement credit within 1-2 billing cycles after qualifying purchase is shipped. Account must remain open, in good standing, and not become delinquent.  Not valid on previous purchases.  See store for details. †Subject to credit approval. Minimum monthly payments required. See store for details. Visit a store, call (877) 316 - 1269 or chat online for complete details.

Mattress Firm Synchrony HOME Credit Card
Applying is as easy as 1, 2, Zzz. Pay for your bed over time, so you
have one less thing to lose sleep about.

Already signed up? Manage your account here.

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No Credit Needed
We have lease-to-own options to make sure everyone can get the bed of their dreams. Powered by Progressive Leasing™.
After you’ve applied, upon approval,
you can finish finding your perfect bed online. Or you can print your approval confirmation
and bring it into your nearest Mattress Firm to make the bed-buying
process even easier.

No Credit Needed: Progressive Leasing obtains information from credit bureaus. Not all applicants are approved.

The advertised service is lease-to-own or a rental- or lease-purchase agreement provided by Prog Leasing, LLC, or its affiliates. Acquiring ownership by leasing costs more than the retailer’s cash price. Leasing available on select items at participating locations only. Not available in MN, NJ, VT, WI, WY.

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Payments for Real People. Right Now.
TEMPOE Leasing offers instant decisions and easy payments with no credit required.
No credit required payment solution
A quick application with instant decisions
Early Purchase Options Available
Flexible payments

Upon approval, you can find your perfect bed online or simply print your confirmation and bring it to your nearest Mattress Firm.

This is a lease transaction. The lease has a 5-month minimum term [“Initial Term”] and, if renewed by the lessee, has a maximum term of 11 months [“Expiration Date”]. Must be at least 18 years old and income requirements apply. Qualifying merchandise of at least $199 is required to enter into a lease at Mattress Firm. Excludes non-durable goods. No security deposit required. Lease requires consumer to make first payment at lease signing, plus 19 weekly lease payments, 9 biweekly lease payments or 4 monthly lease payments. After fulfilling the Initial Term, you may:

(1) continue to lease by making periodic payments in accordance with the terms of the lease agreement [“Option 1”]; (2) exercise a purchase option per the terms of the lease agreement (not available in NJ, VT, WI, or WV) [“Option 2”]; or (3) return the leased items to TEMPOE [“Option 3”]. Should you decide to renew your lease to the Expiration Date, you must exercise either Option 2 or Option 3 within forty-five (45) business days of the Expiration Date.

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