At Mattress Lux, we believe in helping people sleep better and making that as affordable as possible, so we offer a wide range of financing options to help you get a better night's sleep! 

Financing your new mattress or sleep accessories at Mattress Lux is designed to provide you with the utmost convenience and flexibility. We understand the importance of a good night's sleep and want to ensure it's within reach for everyone. That's why we offer a variety of financing options tailored to suit your individual needs and financial preferences.

Our financing solutions, such as Synchrony and Progressive Leasing, have been carefully selected to cater to different circumstances. Whether you're looking for 0% interest for 12 months with Synchrony or a no-credit-needed option with Progressive Leasing, we have you covered. We believe in transparency and will provide you with all the necessary details and terms upfront, so you can make an informed decision that aligns perfectly with your budget and sleep aspirations. Sleep better and affordably with Mattress Lux's convenient financing options.

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financing options

(Can not combine 24 - 60 month financing with other sale prices)

 Promotional Period Minimum Purchase Offer Valid
6 Months $0 24/7/365
12 Months $0 24/7/365
24 Months $1,599 24/7/365
36 Months $1,999 24/7/365
48 Months $2,499 24/7/365
60 Months $3,000 24/7/365


Progressive Finance


Eligibility requirements

We don't ask a lot. Our application is simple and easy to complete.

Income History

Do you have a three-month history with your current employer or source of income?

Monthly Income

Do you deposit $1,000 or more into your checking account each month?

Checking Account

Have you had a checking account for at least 90 days?

Checking Activity

Is your checking account free from NSFs, excessive overdrafts, and negative balances?


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Progressive No Credit Financing




†Synchrony is subject to credit approval. Minimum monthly payments required. See store for details.

0% APR: 5 years* with a minimum purchase of $2499, 4 years* with a minimum purchase of $1599, 3 years* with a minimum purchase of $1099 on your Mattress Firm credit card. 60, 48, or 36 equal monthly payments required. *Offer valid 5/1/21-9/30/21 and applies only to single-receipt qualifying purchases. No interest will be charged on promo purchase and equal monthly payments are required equal to initial promo purchase amount divided equally by the number of months in promo period until promo is paid in full. The equal monthly payment will be rounded to the next highest whole dollar and may be higher than the minimum payment that would be required if the purchase was a non-promotional purchase. Regular account terms apply to non-promotional purchases. Down payment equal to sales tax and delivery may be required at point of purchase. For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their credit card agreement for their applicable terms. Subject to credit approval.

‡No interest will be charged on the promo balance (including tax and delivery) if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Account APR is 29.99%/Minimum Interest Charge is $2. Existing cardholders: See your credit card agreement terms. Subject to credit approval. 

Financing Frequently Asked Questions

At Mattress Lux, we provide two primary financing options: Synchrony, which offers 0% interest for 12 months with the possibility of longer terms, and Progressive Leasing, a no-credit-needed solution for those seeking flexibility in their purchases.

With Synchrony , you can enjoy 0% interest financing for the initial 12 months, making it easier to afford the mattress of your dreams. For longer-term financing, please inquire about the available options and their terms.

Progressive Leasing allows customers to make purchases without requiring a credit check. This provides an accessible and convenient option for individuals who may not have established credit or are looking for a straightforward financing solution.

Applying for financing is easy and can be done during the checkout process on our website. Simply select your preferred financing option, follow the prompts, and provide the necessary information for approval.

We believe in transparency. You will receive complete details regarding fees, terms, and conditions associated with your chosen financing option before finalizing your purchase. Mattress Lux aims to ensure that you have a clear understanding of your financial commitment.