A luxury mattress is one of the best investments you can make in your health and quality of life — but the upfront cost can feel daunting. That's why Mattress By Appointment offers flexible Synchrony financing options that make it easy to sleep on the mattress you actually want.
How Synchrony Financing Works
Synchrony is one of the largest consumer financing companies in the United States. Through their program, qualified buyers can get 0% APR for up to 18 months on mattress purchases — meaning you pay no interest at all if the balance is paid within the promotional period.
Prequalify in 60 Seconds
You can prequalify online before your appointment with no hard credit pull. This gives you a spending estimate so you can shop with confidence knowing exactly what your budget allows.
$10 Down Programs
For customers who need even more flexibility, we also offer no-credit-needed financing programs that require as little as $10 down. These programs are designed to help everyone access quality sleep — regardless of credit history.
What Can You Finance?
All mattresses, adjustable bases, and mattress bundles are eligible for financing. There's no minimum purchase required for most programs.
Apply Before You Visit
Visit our financing page to prequalify or scan the QR code in our showroom during your appointment. The process takes about 60 seconds and you'll know your options immediately.