Bad Credit Mattress Financing

You need a good night’s sleep on a comfortable mattress, even if you have less-than-perfect credit. Regardless of your past experiences purchasing things on credit, when it comes to needing a new mattress, your credit score and history shouldn’t be the barrier between you and a peaceful night of rest.  Luckily, financing a mattress with bad credit is now an option, with more purchase options available to consumers than ever before. Simply using this tool can help make furnishing your home with the products you love more realistic, even with less-than-stellar credit history. Today, you will learn about these important aspects of bad credit mattress financing below:

  • What Exactly Is Bad Credit Mattress Financing?
  • Does “No Credit Check” Mean the Same as “No Credit Needed”?
  • Where is Mattress Financing for Bad Credit Available?
  • Who Can Get Mattress Financing, and How Do I Apply?
  • FAQs About Bad Credit Mattress Financing

Bad Credit Mattress Financing – What Does It Really Mean?

Bad credit financing refers to procuring financing for a new mattress purchase (or something else – like dental work). Depending on how much you have for a down payment on the purchase amount, you can enjoy affordable periodic payments. Generally speaking, you can improve your credit, increasing your chances of securing financing for a mattress – or anything – but that takes time and sometimes can be out of your immediate control. In cases where you need to figure out a solution quickly when purchasing a new mattress, your credit shouldn’t be the one thing that prevents this from occurring. Financing a bed with bad credit is possible with many ways to navigate bad credit, from no credit check financing or no credit needed financing to work with specific merchants.

modern bedroom with white comforter and furniture

No Credit Check vs. No Credit Needed

In some instances, you might find yourself sitting on one side of the fence or the other when it comes to your credit. For whatever reason, you may have a less-than-stellar credit history or, perhaps, no credit history at all. There are payment options that can allow you to bring home the mattress of your dreams, but first, it is essential to understand the nuances between no credit check and no credit needed.

  • No Credit Check is when someone’s credit will not be pulled in the process of finding lending for a new mattress.
  • No Credit Needed refers to the fact that your credit score may be checked, but there are other factors that are part of the approval requirements.

There are options for securing payment solutions that range from using a credible financing company to direct merchant lending. While terms, conditions, and options are subject to change, there is always the possibility of figuring out proper financing with the right resources!

You might be wondering: Is a lease the same as a loan?

Leases & loans are quite different – here’s what you need to know:

  • A loan (or personal loan) is generally a lump sum of funds provided on the recipient’s behalf that is paid back over time (and, like most loans, includes interest.)
  • A lease (or rent-to-own option) allows the recipient to possess the leased item for a pre-determined period of time and includes the option to purchase the item outright. It does not include interest but has leasing fees.

What Kind of Mattress Can Be Financed With Bad Credit?

While you might be pleasantly surprised as to what types of mattresses can be financed with bad credit – let it be known you don’t have to drive home with a mattress as hard as your kitchen table just because of your credit history. Name brand, orthopedic, and popular mattress brands/styles are available to you, and perhaps the most effective way to locate financing for your mattress is first to find the mattress you want!

Common Mattresses

In the table below, you will find a variety of mattresses and brands that can help you begin to narrow down the right mattress for you (are you a firm or pillow top sort of sleeper?). Remember that prices and store selection may vary; however, the find a store option is a great resource to help you select a mattress near you!

Type of Mattress: Front-loading

Average Price**: $1,050

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Type of Mattress: Memory Foam

Average Price**: $1,050

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Type of Mattress: Hybrid

Average Price**: $2,050

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Type of Mattress: Gel-infused Foam

Average Price**: $1,200

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Type of Mattress: Polyfoam

Average Price**: $300

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Known for their firmness and what you would typically envision as a standard mattress, innerspring mattresses are your traditional coiled mattresses surrounded by plush material. Offering solid back support and being more budget-friendly, innerspring mattresses can be found just about anywhere and provide a wide variety of selections. If you happen to have back pain, sleep on your stomach, or are looking for a budget-friendly mattress, most will decide to finance an innerspring mattress since countless manufacturers produce them.

Memory Foam

Perhaps the go-to mattress for most new mattress purchasers, memory foam mattresses are on the softer side of firmness and can range from mid-grade to luxury in terms of pricing. Known for comfort and more extended durability than their innerspring counterparts, memory foam mattresses are one of the most financed mattresses out there because they last longer and tend to be more comfortable.

inner layers of memory foam mattress


Hybrid mattresses are precisely what you most likely guessed – a mix of an innerspring mattress and a memory foam mattress. Typically, hybrid mattresses offer a medium level of firmness due to the combination style with a longer lifespan than a traditional innerspring mattress, making them a worthwhile investment long-term.

Gel-Infused Foam

Known for their coolness, if you’re someone who tends to “Sleep Hot,” gel-infused foam mattresses are ideal for those looking to stay more relaxed at night when sleeping. Similar to memory foam, the critical difference is the gel-infused mattress prevents the heat retention standard memory foam mattresses don’t offer because of better airflow. Considered mid-tier to luxury in terms of mattresses, a gel-infused mattress can come in hybrid models and will typically last you at least ten years.

layers inside gel mattress


Polyfoam mattresses, or “Polyurethane Foam,” are the least expensive mattress. However, they are known to last just as long as their pricier competitors. If you’re familiar with egg crate mattress toppers or couch cushions, the same material – polyurethane – is used in those as a polyfoam mattress. Many mattress manufacturers use polyurethane foam as the top layer of spring mattresses because it is very inexpensive. If you’re familiar with “Bed in a box” concepts or online mattresses from large retailers – you’re most likely buying a polyfoam mattress in those cases.

Popularity of Financing Mattress

A mattress is a large enough expense for most adults to make it challenging to pay for it outright, although managing a periodic payment plan can be more accessible, and the financial hit is not as great. Most of the popularity stemming from financing mattresses boils down to accessibility. Archaic purchasing forms such as old-school layaway are a thing of the past (luckily) with the inception of many new brands and internet purchasing. The old way of purchasing a mattress was you either wrote a check, put it on a credit card, or had to use the store’s financing tools based on credit. With the positive evolution of lending and financing for those with bad credit, it is now more possible than ever to have a good night’s sleep without draining your savings.

Bad Credit Mattress Financing in Summary

Bad credit is best explained as being similar to a report card for your finances. Lenders would prefer to lend to those known to pay back their loans, and the report card follows us around. Unfortunately, if you have bad credit, you will have somewhat fewer options. The verdict is out – you can still get a great mattress at an affordable price and finance said mattress with poor credit history. First, do some online browsing to narrow down the type of mattress and brand you’re looking for. Then, select a payment option that’s the best fit for your lifestyle and find the mattress you need to sleep better at night.

mattress store display

Mattress Financing with Bad Credit FAQs

Here are some of the most frequently asked questions we receive about mattress financing with bad credit.

Q: What Qualifies as “Bad Credit” Financing?

While there are circumstances that are not always accounted for by a credit score, at the end of the day, someone who has bad credit can still get financing. Bad credit financing simply means finding alternative ways to lend to a potential borrower.


Q: What Credit Score Is Required to Get Financing?

A: Traditionally, a good credit score will land most consumers lending with ease. A low credit score can make it more challenging to get approved for traditional financing (credit card, store loan in-house).


Q: Where’s the Best Place to Finance a Mattress?

A: Where to get financing for a mattress ultimately depends on variables, including your credit score and purchasing power. Fortunately, there are more options for financing mattresses with bad credit. You have more freedom to shop for the option that best fits your needs.


Q: How Can I Finance a Mattress with Bad Credit?

A: We offer mattress financing right here on our website. Not everyone will be approved, but having bad credit doesn’t automatically mean you’ll be denied. Your credit may be checked, but having no or a low credit score doesn’t necessarily disqualify you. First, select your preferred store near you, and you can apply directly in minutes.


Q: Where Can I Use My Mattress Financing if Approved?

A: Where you can use your bad credit mattress financing will depend on the company you choose to sign a contract with. Always gather all the helpful information you need before agreeing to a contract. Use our Merchant Tool* to find a store today.