After a long, tiring work day, everyone deserves a perfect and most comfortable place to rest the body. Therefore, investing in a comfortable and luxurious mattress is paramount. Although mattresses are normally overlooked, quality ones are not cheap. Perhaps you need a good mattress but can’t afford one! Fret not! This is because there are several companies that offer mattress payment plan without credit check to individuals who have not saved enough for a new mattress. These plans favor every individual, including those with bad credit score.
Therefore, mattress payment plan no credit check are essentially meant to help buyers get a new mattress without paying for it upfront. In this case, poor credit score should never worry or limit you. Today, we discuss different mattress payment plan no credit check stores and other essential facets around it.
How Mattress Payment Plan No Credit Check Work?
Mattress payment plan no credit check is a financing program that allows you to buy your mattress of choice on credit and pay later on monthly installments. There are several companies that offer this program to buyers. However, their terms and conditions vary. Their most common trait is that they offer mattress financing without conducting any credit check. They also have low or no interest rates.
You can get mattress payment plan no credit check from mattress stores directly or indirect. Direct is where mattress stores offer payment plans no credit check to buyers without involving financial companies. Though rare, direct payment plans have fast approval and easier payment options.
Indirect is where mattress stores offer payment plan options to buyers through third-party financing companies. Some of these financing companies are lease it, snap finance and progressive leasing among others.
How To Qualify For Mattress Payment Plan No Credit Check
Unlike traditional financing, most mattress payment plans financiers don’t conduct credit check on applicants. Therefore, even with a poor credit score, you qualify this payment option. However, there are other requirements to meet before being approved for mattress payment plan no credit check. These are:
- Should be at least 18 years
- Should be employed with a minimum income requirement that is subject to change per company.
- Should have a valid credit or debit card
- Should have an active bank account
- Should have a valid government photo ID.
Top 9 Best Stores/Companies With Direct Mattress Payment Plan No Credit Check
1. Puffy
Puffy is an amazing brand of mattress that offers payment plans with no credit check. Ranked as one of the best mattress brand, puffy makes buying of mattress so easy and stress free. It is also safe, secure and gives buyers a privilege to get a new mattress with no upfront fee. However, the company provides payment plans indirectly through a third party financing company. In this case, it has partnered with klarna financial company that offers fast and reliable lease-to-own financing to buyers. Its approval is instant and runs no credit check to the buyer. Besides, this mattress financing has no interest rate and is payable every month through klarna app for up to 3 years. To get puffy mattress with a payment plan, follow this process.
- Select your ideal puffy mattress and add to cart. Here, you should read and understand the content o your preferred mattress since different mattresses have unique features and advantages,
- Checkout and select klarna as your financial company.
- Here, you will be redirected to klarna official website to apply for your mattress financing.
- Get an instant approval
- Get your loan agreement
- Your mattress will be shipped within 2-5 business days.
2. Saatva
This is another reliable brand that allows you to buy a mattress and pay later through a third party financial provider. Similar to puffy, saatva is in partnership with klarna, an international payment provider that offers mattress financing with no credit check and 0% interest rate. Saatva mattress financing process is so easy with instant approval. Once approved, klarna gives you a personalized payment plan that shows your monthly payable amount and APR. The payments are made through klarna app. To get saatva mattress payment plan no credit check,
- Select your favorite mattress from saatva.
- Add to cart
- Checkout and select klarna financing
- Apply for klarna monthly financing through a simple 2 step application.
- Get approved.
- Get your mattress shipped
- You will get reminders to manage your payments from klarna app.
3. Helix
Helix also offers mattress payment plan no credit check indirectly through a third party financial company. The company has partnered with two financial providers. During the checkout, you have the freedom to select klarna or katapult. Regardless of your selection, you have to apply through a very easy and instant process. To get helix mattress through a payment plan:
- Shop your favorite mattress from helix.
- Add to cart
- Checkout and select your preferred financial company.
- From klarna or katapult, apply for lease to own financing.
- Get approved
- Make your first payment and wait for your mattress delivery.
4. Nectar
Are you hesitant to buy mattress in full price, nectar has made it easy for you. This mattress company is in partnership with affirm and splitit financial providers to offer cheap payment plans to mattress buyers. After getting your desired mattress with nectar, select affirm as a checkout option, apply for affirm financing and wait for approval. The application is so easy, instant and payable through a bank transfer or debit card. The payment plan is also flexible and ranges from 3 to 24 months. It has no credit check, no interest rate and no late payment penalty. The simple process entails:
- Choose your nectar mattress
- Select your preferred financial payout option
- Provide and verify your phone number, email, date of birth, Social security number and name
- Confirm your details
- Accept the loan and wait for your mattress delivery.
5. Wayfair
If you have a poor credit score, this is another reliable mattress payment plan store to consider. Wayfair gives out ‘’buy now, pay later’’ mattresses to buyers through affirm financing company. Luckily, affirm does not conduct any credit check and their financing decision is never based on your credit history. After getting your Wayfair mattress, you should select 3, 6 or 12 months payment options. To get your mattress:
- Visit Wayfair official website.
- Select your preferred mattress and add to cart
- Payout and choose affirm as your financing option.
- Apply for affirm financing
- Get approved to receive your mattress.
6. Lull
Lull has also partnered with affirm to give affordable mattress payment plans to interested individuals. To get your lull mattress on credit, your credit history won’t be scrutinized. Its application is so easy and once approved, payments are fixed in monthly installments with zero interest rates and no hidden fee.
- To get your lull mattress, visit lull official website.
- Select your product and add to cart
- Checkout and select affirm as your financial option
- Apply for affirm financing
- Select your preferred payment plan
- Make your first payment either by bank transfer, check or debit card.
- Your lull mattress will be shipped to you.
7. Purple
You can also get an affordable, no markups or hidden fee and no interest rate mattress payment plan from purple. However, purple payment plan is indirect and uses two third party financing companies. You can choose affirm or split-it. Either way, your credit score will not define your eligibility. In addition, both financial companies have an easy and quick prequalification and allows 6 to 60 months payment plans. To get your purple mattress:
- Visit purple official site
- Select your mattress and add to cart
- Enter your shipping information
- Select affirm or split-it as your checkout financial option
- Select your preferred monthly plan.
- Make your first payment and wait for shipment.
8. Bear mattress
Get a brand new, comfortable and affordable mattress through bear buy now pay later monthly plan. However, you have to select affirm or split-it as your financing company. The good news is that bear mattress payment plan is no subject to credit check. Besides, it has no hidden fee, no markups with as low as 0% APR. To get your mattress:
- Visit www.bearmattress.com
- Select your mattress and add to cart
- Enter correct shipping information on the shipping section
- Select split or affirm as your payment option.
- Get approval and wait for your mattress.
9. Amazon Store
Amazon is the largest online store that sells a plethora of products. From furniture, electronics, clothing to mattresses among others. As far as mattresses are concerned, amazon sells nearly all brands of mattresses.
Do you know that you can get mattress payment plan from amazon with no credit check? Yes you can. Although not all types and brands of mattresses, amazon offers financing on some mattresses, allowing you to pay later on monthly installment using your amazon store card. Here, amazon will grant you a buy now pay later mattress directly without involving any financial provider. Their payment plans have no credit check and no interest rate. However, you must meet the following to qualify for amazon mattress payment plan.
- Must be a resident of US.
- Must have more than one year old active amazon account
- Must have clean amazon payment history
- Must link your amazon account to a valid credit or debit card.
A Brief Overview Of Financial Companies With Mattress Payment Plans
The following financial companies have partnered with mattress stores to offer payment plans to interested buyers.
- Affirm : It’s a financial technology company in the US and partners with a number of mattress companies to offer online financing on mattresses. It partners with lull mattress, Wayfair, Casper, bear mattress, Leesa and purple mattress among others.
- Klarna : It is another reliable international financial company in the US that offers mattress financing with no hidden fee, no credit check and 0% APR. It has partnered with mattress brands like Helix, puffy and Saatva to offer affordable mattress payment plans to all who qualifies. .
- Katapult : This is another incredible financing company that gives mattress payment plans to individuals regardless of their credit history. It works with mattress brands like idle sleep and helix mattress.
- Progressive leasing : Works with brands like mattress firm and shop factory direct. It offers mattress payment plans to individuals that are 18years and above with a minimum monthly income of $1000.
- Lease it : If you are above 18 years, have a minimum monthly income of $1000 and an active checking account, you can qualify for lease it mattress payment plan. It works with mattress brands like sears and Kmart.
Factors To Consider When Selecting Mattress Payment Plan No Credit Check
- Interest rates : This is a very crucial factor to consider when selecting your mattress payment plan. Some plans have zero interest rates while others charge higher interest rates. High interest rates are normally charged to people with bad credit. Therefore you should be wise on your plan’s interest rate to avoid spending more.
- Monthly payments : Different mattress financing companies have different monthly payments. The duration of your loan payment determines your monthly payments. Therefore, chose affordable monthly payments to avoid late penalty fees and interests.
- Hidden charges : Before selecting your mattress payment plan, keenly read and understand the terms of your contract. This is because some contracts incurs extra expenses or hidden fees and end up paying more that agreed.
Benefits Of Mattress Payment Plans No Credit Check
- Application is easy with instant approval
- Help you to get your desired mattress without enough money and pay later in installments
- It can greatly build your credit score.
- Has affordable terms
- Favors all regardless of your credit score.
Final say
Mattress payment plan no credit check is a lifesaving program for individuals who need a new mattress but can’t afford its upfront price. Through third party financial companies, you can get your favorite mattress brand on credit and pay later in monthly instalments with zero interest rates. Fortunately, you won’t be discriminated based on your credit history. However, ensure your desired mattress is within your budget.