No credit check mattress financing is more readily available than you may think. There are actually plenty of well-known mattress and furniture stores offering no-credit-check mattress financing. In this article, we’ll cover everything about no credit check mattress financing, where to go, as well as where to go if you want you’re fine with a soft credit check.

In This Article

What to Know About No Credit Check Mattress Financing

The first thing to know about no-credit-check mattress financing is that most mattress stores don’t finance these purchases directly. Instead, they provide payment options through third-party financing company partners that specialize in helping merchants serve customers with no credit or poor credit.

The most commonly used third-party financing companies include:

  • Progressive Leasing
  • Snap! Finance
  • WhyNotLeaseIt

Thousands of retailers and online merchants, including mattress and furniture stores, use these companies to offer financing to customers who are unable to qualify for traditional financing.

Generally, third-party financing companies provide lease-to-own programs, rather than loans. This means they don’t charge interest like traditional financing. Instead, your monthly payments are calculated on a total lease amount (the purchase price plus leasing fees) divided by the number of payments.

Most lease-to-own financing programs also include discounted early buyout options that allow you to pay less overall. In some cases, you may be required to pay a processing fee upfront when you apply for financing, usually around $40 – $60. This amount is in addition to the total lease amount.

How Do You Qualify for Third-Party Financing?

Traditional financing requires a credit check and a certain level of credit to qualify. Third-party financing with lease-to-own payments doesn’t require a credit check. Most programs have similar requirements for approval — which typically include minimum age and income requirements, a valid ID, and an active funding source such as a checking account, debit card, or credit card. Approval is typically instant, and the majority of shoppers who meet these requirements are usually approved.

1. Progressive Leasing

  • Age requirement: 18 or older
  • Income requirement: Must earn at least $1,000 per month, have been employed by the same company for six months, and direct deposit at least $500 into your checking account
  • Identification: Valid, government-issued photo ID
  • Funding source needed: Active checking account
  • Other requirements: Valid debit or credit card
  • Source: Progressive Leasing FAQs

Note: Progressive Leasing is not available in Minnesota, New Jersey, Vermont, Wisconsin, and Wyoming.

2. Snap! Finance

  • Age requirement: 18 or older
  • Income requirement: Minimum of $1,000 per month
  • Identification: Valid, government-issued photo ID
  • Funding source needed: Active checking account
  • Other requirements: None
  • Source: Snap! Finance FAQs

3. WhyNotLeaseIt

  • Age requirement: 18 or older
  • Income requirement: Minimum of $1,000 per month
  • Identification: Valid, government-issued photo ID
  • Funding source needed: Checking account, debit card, or credit card
  • Other requirements: Valid Social Security number or Tax Identification Number (TIN)
  • Source: WhyNotLeaseIt FAQs

Stores That Offer No Credit Check Mattress Financing

The following mattress and furniture stores provide no-credit-check mattress financing programs with easy approval and easy payment options.

1. 1800mattress

2. Atlantic Bedding and Furniture

3. Big Lots

4. Conn’s Home Plus

5. Gallery Furniture

6. Kmart

  • Financing program used: WhyNotLeaseIt
  • Processing fee: None
  • Down payment: First lease payment due at purchase
  • Payments due: Monthly
  • Lease term: Minimum of five months
  • Source: Kmart Leasing page
  • How to apply for financing: Apply online at the Sears LeaseIt page, or apply in-store at your nearest retail location
  • Locations: Nationwide
  • Find your nearest Kmart

7. Mattress One

8. Mattress Firm

9. Sears

  • Financing program used: WhyNotLeaseIt
  • Processing fee: None
  • Down payment: First lease payment due at purchase
  • Payments due: Monthly
  • Source: Sears Leasing page
  • How to apply for financing: Apply online at the Sears LeaseIt page, or apply in-store at your nearest retail location
  • Locations: Nationwide
  • Find your nearest Sears

10. Shop Factory Direct

You can learn about more stores that offer the Progressive Leasing financing option, including electronics stores, jewelry stores, and more, in our article The List of Progressive Leasing Stores.

Stores That Offer Easy Mattress Financing

Another option for mattress financing if your credit is less than perfect is Buy Now, Pay Later with Affirm. Affirm is another third-party financing company that offers fast approval and typically approves most buyers, even those with no credit or a poor credit history. Affirm does run a credit check, but the financing decision isn’t based solely on credit scores or past payment history.

Unlike other third-party financing companies, Affirm programs are loans that charge interest as an annual percentage rate (APR), which is the amount of interest charged annually as an average over the full term of the loan. In some cases, a down payment may be required if Affirm is unable to finance the entire amount — otherwise, your first payment will be due 30 days from the date of purchase.

The following online mattress stores offer Affirm as a financing option:

1. Bear Mattress

2. Casper

3. Christeli

4. Coleman Furniture

5. Leesa

  • Financing options: 6-month, 12-month, or 18-month financing plans
  • Source: Leesa Financing page
  • How to apply for financing: Shop on the Leesa website and choose the “Financing with Affirm” option at checkout.
  • Start shopping at Leesa

6. Lull

7. Purple

  • Financing options: 3-month, 6-month, or 12-month financing plans
  • Source: Purple Financing page
  • How to apply for financing: Shop on the Purple website and choose the “Financing with Affirm” option at checkout.
  • Start shopping at Purple

8. Wayfair

In Summary

With getting a mattress on credit, you have several options that allow you to pay for your mattress purchase over time. Many mattress and furniture stores offer no-credit-check financing through third-party lease-to-own companies that use your income (rather than your credit score) to approve financing. You can also shop for mattress financing with Affirm and enjoy buy now, pay later convenience without affecting your credit score, even if you have poor credit or no credit. No matter what kind of credit you have, chances are you can qualify for mattress financing at a retail location or online.