It’s tempting, that big “0% Financing” claim on many mattress company websites and in their windows, but what should you know before starting that application? Financing a mattress can have an array of benefits and might be a convenient option for you, but the fine print is important to dig into.

Whatever your reason, there are a few things you should know before you finance a bed. While ultimately only you can make the final call, we can definitely break down some of the things you’ll encounter and help you navigate the ins and outs of mattress payment plans.

Traditional Mattress Financing If you’ve been shopping online with some of the bigger, more traditional mattress companies, you’ve probably seen the phrases “Special Financing” or “Promotional Period” a couple of times. Most mattress stores with financing will advertise their financing openly, and they probably have multiple credit options to look into.

These can be credit cards that are specific to the mattress store and usually require a minimum purchase with their chain to qualify.

These options usually boast 0% interest for a certain number of months, which can be a good option for shoppers who know they will be able to pay the balance of their purchase within that time.

Some companies also offer inhouse financing through progressive payment programs. This typically means that instead of paying all at once, you have a small time frame to pay it off, without some of the drawbacks of a credit account.

PayBright—And Why We Use It: We want everyone to rest easy at night, so we have decided to cover the cost of the loan through Paybright. This way, T&N is able to provide 0% financing & $0 down for the first 30 days, with monthly payments billed directly to your credit card or chequing account. It’s a great option for easy mattress financing. PayBright partners with many e-commerce brands to make financing a purchase quick and clear, and you can prequalify in minutes online. Learn more about how to purchase through PayBright and their terms here.

Our customers have often asked us for financing options, and it was important to us that we picked an option we felt was simple and transparent. PayBright only takes a few moments to get a decision back and you can be sleeping on a new mattress in just a few days.

Both credit cards and small loan companies like PayBright work well for customers who aren’t looking to spend the full amount now but need a new mattress, and ultimatelythe decision comes down to what’s best for your personal needs.

If you have any questions about using PayBright to purchase our products, our team is always here to help!