One application. Your best available option.
Bring better sleep home with My Mattress Pay.
Apply once and let My Mattress Pay identify the best available lease-to-own offer through participating providers—for the comfort you need with manageable payments over time.
Provider participation, offers, and terms vary based on eligibility, purchase amount, location, and availability.
Program highlights
As low as $29
Down
Minutes
To decision
Up to $5,000
Approval amount
Program highlights only. Not guarantees. Eligibility and provider terms apply.
A simple way forward
One application. Your best available offer.
My Mattress Pay is designed to evaluate participating lease-to-own options and identify the best available offer for which you qualify.
One simple application
Apply online in just a few minutes from your phone, tablet, or computer.
Best available offer
My Mattress Pay identifies the best available lease-to-own offer through participating providers.
Review before accepting
See the payment amount, purchase options, total cost, and complete agreement before you decide.
Lease-to-own payment options
Your best available offer, through one application.
Complete one application and My Mattress Pay will identify the best available lease-to-own offer through participating providers for which you qualify.
Not a loan or credit productGet the comfort you need, with payments that fit your life.
Approval is not based on a traditional credit score. Available terms depend on your eligibility and provider offer.
- Approval amounts of up to $5,000
- As low as $29 down for approved applicants
- Decisions typically available within minutes
- Apply with no hard credit pull or FICO score impact
- 13- or 18-month payment schedule available depending on ticket size
- Payments can be aligned with your pay cycle
- Optional 110-day early purchase option
Applying does not affect your FICO score.
From browsing to better sleep
How it works.
One application, consideration across available participating options, and complete terms before you accept.
Step 1
Find your mattress
Choose the mattress, foundation, or eligible sleep products that are right for you.
Step 2
Select My Mattress Pay
Choose My Mattress Pay during checkout.
Step 3
Complete one quick application
Provide the requested information once. My Mattress Pay will evaluate the participating lease-to-own options available at that time.
Step 4
Review your available offer
If approved, review the best available My Mattress Pay offer for which you qualify, including the payment schedule, purchase options, and total cost.
Step 5
Complete your purchase
Accept your agreement and finish checking out. Then get ready for better sleep.
Own it sooner
Early purchase options.
Your available offer may include an optional 110-day early purchase option, allowing eligible customers to acquire ownership for the cash price plus taxes and applicable fees.
Early purchase terms vary by provider. If an early purchase option is not exercised, the total of scheduled payments will exceed the cash price.
Review the specific agreement presented to you for complete terms, deadlines, and costs.
A clear choice
Is My Mattress Pay right for me?
The lease-to-own option may be helpful if:
- You need a mattress now but prefer payments over time
- Traditional financing is not the right fit
- You want to apply without affecting your FICO score
- You are comfortable with a lease-to-own agreement
- You understand that ownership is optional and that the total cost may exceed the cash price
Compare the two numbers
Cash price
What the merchandise costs when paid in full today.
Total agreement cost
The total of scheduled payments through the full lease term.
Know before you choose. Always compare the cash price with the total cost under your agreement.
Need to know
Frequently asked questions.
Clear answers before you apply.
Your best sleep starts here
Sleep better now. Pay over time.
Find the mattress that fits your sleep—and explore a payment option that fits your circumstances.
Shop MattressesImportant disclosures
My Mattress Pay is a My Mattress Company payment-options program, not a lender or lessor. Applications may be evaluated by one or more participating third-party lease-to-own providers, subject to applicant consent, provider participation, and availability.
“Best available offer” refers only to an available offer through participating My Mattress Pay providers for which an applicant qualifies at the time of application. It does not guarantee the lowest cost or most favorable terms available in the market. Each provider determines eligibility, approval amount, down payment, agreement term, total cost, and purchase options.
Lease-to-own agreement. Not a loan, credit, or financing. Approval is not guaranteed. Applying does not affect your FICO score. Ownership is optional. The total of payments may exceed the cash price. Not available in all states. Eligibility and additional restrictions apply. Review your complete agreement before accepting.