Everyone deserves a good night's sleep — and a bad credit score shouldn't stand in the way of getting a quality mattress. That's why Mattress By Appointment offers no-credit-needed financing programs that can get you approved with as little as $10 down.
How No-Credit-Needed Financing Works
Unlike traditional financing that relies heavily on your credit score, no-credit-needed programs use alternative approval criteria. Approval is typically based on income verification rather than credit history — which means most applicants qualify.
The $10 Down Program
Our $10 down program allows you to take home a quality mattress with a minimal upfront payment. Weekly or bi-weekly payments are set up automatically, and there are no prepayment penalties if you want to pay off your balance early.
Who Qualifies?
Most applicants qualify if they: - Have a steady source of income - Have an active checking account - Are 18 years or older
No minimum credit score is required.
How to Apply
You can start the application process online before your appointment, or we can walk you through it during your visit. The process takes about 5 minutes and you'll receive an answer immediately.
Get the Mattress You Need
Don't let financing be a barrier to better sleep. Book an appointment and we'll find a payment option that works for your situation.