Financing

A great mattress is a decade-long investment in how you feel every day. Financing through Shop Pay Installments, powered by Affirm, lets you spread that cost into predictable payments instead of one hit to your budget.

Pay in 4, interest-free

Eligible orders can be split into 4 interest-free payments, so a protector or set of sheets costs a fraction up front with no interest at all.

Monthly plans for mattresses

Larger purchases can qualify for monthly installments, with rates from 0% APR for qualified buyers. You will see your exact plans, payments, and any interest before you commit.

No surprises

Checking your eligibility takes moments and does not affect your credit score. What you see at approval is what you pay, with no hidden or late-payment gotchas from us.

How it works

  1. Add your mattress or accessories to the cart and head to checkout.
  2. Choose Shop Pay as your payment method and select Installments.
  3. Pick the plan you qualify for and complete your order. Your mattress ships fresh from the manufacturer like any other order, with the same 100-night trial on qualifying mattresses.

Payment options are offered by Affirm, are subject to an eligibility check, and may not be available in all states. Rates from 0% APR; exact terms depend on your purchase amount and eligibility and are shown at checkout before you commit. California residents: loans made or arranged pursuant to a California Finance Lenders Law license.

Questions about financing?

Call 877-631-8383 or email care@shopsleepology.com and we will walk you through it before you buy.